Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$438,459Cash toward the purchase price.
Closing costs + prepaids$15,582Not just lender fees.
Before credits & paid funds$454,041The complete starting cash picture.
Estimated remaining funds due at closing
$454,041No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$438,459.16
Your down payment$438,459.16
Closing costs + prepaids$15,582.31
Total buyer cash needed$454,041.47
Remaining funds due$454,041.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,700.00
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)$1,750.75
Prepaid interest, first (23 days)$656.56
Fees + prepaids$15,582.31
Your down payment is the seller’s equity. You take over the $231,541 balance, so the rest of the $670,000 price is paid at closing. A second mortgage can cover part of it. $454,041.47 is due at closing. Uses and sources reconcile at $685,582.31 each. Not a Closing Disclosure.