Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$294,676Cash toward the purchase price.
Closing costs + prepaids$16,255Not just lender fees.
Before credits & paid funds$310,931The complete starting cash picture.
Estimated remaining funds due at closing
$310,931No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$294,675.55
Your down payment$294,675.55
Closing costs + prepaids$16,255.43
Total buyer cash needed$310,930.99
Remaining funds due$310,930.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,750.00
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)$1,064.00
Prepaid interest, first (28 days)$1,966.43
Fees + prepaids$16,255.43
Your down payment is the seller’s equity. You take over the $380,324 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $310,930.99 is due at closing. Uses and sources reconcile at $691,255.43 each. Not a Closing Disclosure.