Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$494,623Cash toward the purchase price.
Closing costs + prepaids$14,515Not just lender fees.
Before credits & paid funds$509,138The complete starting cash picture.
Estimated remaining funds due at closing
$509,138No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$494,622.77
Your down payment$494,622.77
Closing costs + prepaids$14,515.00
Total buyer cash needed$509,137.77
Remaining funds due$509,137.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,690.00
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)$812.50
Initial HOA (3 months)$135.00
Prepaid interest, first (25 days)$402.50
Fees + prepaids$14,515.00
Your down payment is the seller’s equity. You take over the $174,377 balance, so the rest of the $669,000 price is paid at closing. A second mortgage can cover part of it. $509,137.77 is due at closing. Uses and sources reconcile at $683,515.00 each. Not a Closing Disclosure.