Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$141,359Cash toward the purchase price.
Closing costs + prepaids$17,674Not just lender fees.
Before credits & paid funds$159,033The complete starting cash picture.
Estimated remaining funds due at closing
$159,033No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,359.03
Your down payment$141,359.03
Closing costs + prepaids$17,674.04
Total buyer cash needed$159,033.06
Remaining funds due$159,033.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,899.00
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)$1,724.75
Prepaid interest, first (28 days)$2,575.29
Fees + prepaids$17,674.04
Your down payment is the seller’s equity. You take over the $548,541 balance, so the rest of the $689,900 price is paid at closing. A second mortgage can cover part of it. $159,033.06 is due at closing. Uses and sources reconcile at $707,574.04 each. Not a Closing Disclosure.