Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$195,769Cash toward the purchase price.
Closing costs + prepaids$17,296Not just lender fees.
Before credits & paid funds$213,066The complete starting cash picture.
Estimated remaining funds due at closing
$213,066No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$195,769.25
Your down payment$195,769.25
Closing costs + prepaids$17,296.39
Total buyer cash needed$213,065.64
Remaining funds due$213,065.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,800.00
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)$1,700.00
Prepaid interest, first (26 days)$2,321.39
Fees + prepaids$17,296.39
Your down payment is the seller’s equity. You take over the $484,231 balance, so the rest of the $680,000 price is paid at closing. A second mortgage can cover part of it. $213,065.64 is due at closing. Uses and sources reconcile at $697,296.39 each. Not a Closing Disclosure.