Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$538,055Cash toward the purchase price.
Closing costs + prepaids$14,603Not just lender fees.
Before credits & paid funds$552,658The complete starting cash picture.
Estimated remaining funds due at closing
$552,658No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$538,055.47
Your down payment$538,055.47
Closing costs + prepaids$14,602.81
Total buyer cash needed$552,658.28
Remaining funds due$552,658.28
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)$779.50
Initial HOA (3 months)$11.25
Prepaid interest, first (27 days)$438.06
Fees + prepaids$14,602.81
Your down payment is the seller’s equity. You take over the $151,845 balance, so the rest of the $689,900 price is paid at closing. A second mortgage can cover part of it. $552,658.28 is due at closing. Uses and sources reconcile at $704,502.81 each. Not a Closing Disclosure.