Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$408,090Cash toward the purchase price.
Closing costs + prepaids$15,863Not just lender fees.
Before credits & paid funds$423,952The complete starting cash picture.
Estimated remaining funds due at closing
$423,952No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$408,089.57
Your down payment$408,089.57
Closing costs + prepaids$15,862.75
Total buyer cash needed$423,952.32
Remaining funds due$423,952.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,849.00
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)$1,703.25
Initial HOA (3 months)$225.00
Prepaid interest, first (25 days)$610.50
Fees + prepaids$15,862.75
Your down payment is the seller’s equity. You take over the $276,810 balance, so the rest of the $684,900 price is paid at closing. A second mortgage can cover part of it. $423,952.32 is due at closing. Uses and sources reconcile at $700,762.75 each. Not a Closing Disclosure.