Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$209,696Cash toward the purchase price.
Closing costs + prepaids$15,955Not just lender fees.
Before credits & paid funds$225,651The complete starting cash picture.
Estimated remaining funds due at closing
$225,651No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$209,696.03
Your down payment$209,696.03
Closing costs + prepaids$15,955.03
Total buyer cash needed$225,651.06
Remaining funds due$225,651.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,700.00
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)$818.75
Initial HOA (3 months)$255.00
Prepaid interest, first (22 days)$1,706.28
Fees + prepaids$15,955.03
Your down payment is the seller’s equity. You take over the $460,304 balance, so the rest of the $670,000 price is paid at closing. A second mortgage can cover part of it. $225,651.06 is due at closing. Uses and sources reconcile at $685,955.03 each. Not a Closing Disclosure.