Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$448,689Cash toward the purchase price.
Closing costs + prepaids$14,737Not just lender fees.
Before credits & paid funds$463,425The complete starting cash picture.
Estimated remaining funds due at closing
$463,425No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$448,688.67
Your down payment$448,688.67
Closing costs + prepaids$14,736.62
Total buyer cash needed$463,425.29
Remaining funds due$463,425.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,899.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$381.25
Prepaid interest, first (27 days)$981.37
Fees + prepaids$14,736.62
Your down payment is the seller’s equity. You take over the $241,211 balance, so the rest of the $689,900 price is paid at closing. A second mortgage can cover part of it. $463,425.29 is due at closing. Uses and sources reconcile at $704,636.62 each. Not a Closing Disclosure.