Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$180,339Cash toward the purchase price.
Closing costs + prepaids$16,486Not just lender fees.
Before credits & paid funds$196,825The complete starting cash picture.
Estimated remaining funds due at closing
$196,825No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,338.67
Your down payment$180,338.67
Closing costs + prepaids$16,486.40
Total buyer cash needed$196,825.06
Remaining funds due$196,825.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,750.00
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)$1,228.00
Prepaid interest, first (22 days)$2,033.40
Fees + prepaids$16,486.40
Your down payment is the seller’s equity. You take over the $494,661 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $196,825.06 is due at closing. Uses and sources reconcile at $691,486.40 each. Not a Closing Disclosure.