Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$71,508Cash toward the purchase price.
Closing costs + prepaids$17,680Not just lender fees.
Before credits & paid funds$89,187The complete starting cash picture.
Estimated remaining funds due at closing
$89,187No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,507.60
Your down payment$71,507.60
Closing costs + prepaids$17,679.88
Total buyer cash needed$89,187.47
Remaining funds due$89,187.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,900.00
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)$1,725.00
Prepaid interest, first (29 days)$2,579.88
Fees + prepaids$17,679.88
Your down payment is the seller’s equity. You take over the $618,492 balance, so the rest of the $690,000 price is paid at closing. A second mortgage can cover part of it. $89,187.47 is due at closing. Uses and sources reconcile at $707,679.88 each. Not a Closing Disclosure.