Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$554,966Cash toward the purchase price.
Closing costs + prepaids$15,134Not just lender fees.
Before credits & paid funds$570,100The complete starting cash picture.
Estimated remaining funds due at closing
$570,100No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$554,965.65
Your down payment$554,965.65
Closing costs + prepaids$15,134.15
Total buyer cash needed$570,099.80
Remaining funds due$570,099.80
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)$1,675.00
Prepaid interest, first (23 days)$284.15
Fees + prepaids$15,134.15
Your down payment is the seller’s equity. You take over the $115,034 balance, so the rest of the $670,000 price is paid at closing. A second mortgage can cover part of it. $570,099.80 is due at closing. Uses and sources reconcile at $685,134.15 each. Not a Closing Disclosure.