Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$399,547Cash toward the purchase price.
Closing costs + prepaids$15,065Not just lender fees.
Before credits & paid funds$414,612The complete starting cash picture.
Estimated remaining funds due at closing
$414,612No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$399,547.15
Your down payment$399,547.15
Closing costs + prepaids$15,065.13
Total buyer cash needed$414,612.27
Remaining funds due$414,612.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,904.50
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)$1,056.00
Prepaid interest, first (25 days)$629.63
Fees + prepaids$15,065.13
Your down payment is the seller’s equity. You take over the $290,903 balance, so the rest of the $690,450 price is paid at closing. A second mortgage can cover part of it. $414,612.27 is due at closing. Uses and sources reconcile at $705,515.13 each. Not a Closing Disclosure.