Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$574,848Cash toward the purchase price.
Closing costs + prepaids$14,055Not just lender fees.
Before credits & paid funds$588,903The complete starting cash picture.
Estimated remaining funds due at closing
$588,903No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$574,848.46
Your down payment$574,848.46
Closing costs + prepaids$14,054.93
Total buyer cash needed$588,903.39
Remaining funds due$588,903.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,749.00
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)$557.25
Prepaid interest, first (26 days)$273.68
Fees + prepaids$14,054.93
Your down payment is the seller’s equity. You take over the $100,052 balance, so the rest of the $674,900 price is paid at closing. A second mortgage can cover part of it. $588,903.39 is due at closing. Uses and sources reconcile at $688,954.93 each. Not a Closing Disclosure.