Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$444,036Cash toward the purchase price.
Closing costs + prepaids$15,457Not just lender fees.
Before credits & paid funds$459,492The complete starting cash picture.
Estimated remaining funds due at closing
$459,492No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$444,035.52
Your down payment$444,035.52
Closing costs + prepaids$15,456.66
Total buyer cash needed$459,492.18
Remaining funds due$459,492.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,850.00
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)$1,508.25
Initial HOA (3 months)$12.75
Prepaid interest, first (25 days)$610.66
Fees + prepaids$15,456.66
Your down payment is the seller’s equity. You take over the $240,964 balance, so the rest of the $685,000 price is paid at closing. A second mortgage can cover part of it. $459,492.18 is due at closing. Uses and sources reconcile at $700,456.66 each. Not a Closing Disclosure.