Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$248,266Cash toward the purchase price.
Closing costs + prepaids$17,396Not just lender fees.
Before credits & paid funds$265,662The complete starting cash picture.
Estimated remaining funds due at closing
$265,662No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$248,266.13
Your down payment$248,266.13
Closing costs + prepaids$17,395.66
Total buyer cash needed$265,661.79
Remaining funds due$265,661.79
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
Initial HOA (3 months)$1,380.00
Prepaid interest, first (26 days)$915.66
Fees + prepaids$17,395.66
Your down payment is the seller’s equity. You take over the $441,734 balance, so the rest of the $690,000 price is paid at closing. A second mortgage can cover part of it. $265,661.79 is due at closing. Uses and sources reconcile at $707,395.66 each. Not a Closing Disclosure.