Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$671,074Cash toward the purchase price.
Closing costs + prepaids$14,377Not just lender fees.
Before credits & paid funds$685,451The complete starting cash picture.
Estimated remaining funds due at closing
$685,451No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$671,073.68
Your down payment$671,073.68
Closing costs + prepaids$14,377.09
Total buyer cash needed$685,450.78
Remaining funds due$685,450.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,900.00
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)$915.00
Prepaid interest, first (26 days)$87.09
Fees + prepaids$14,377.09
Your down payment is the seller’s equity. You take over the $18,926 balance, so the rest of the $690,000 price is paid at closing. A second mortgage can cover part of it. $685,450.78 is due at closing. Uses and sources reconcile at $704,377.09 each. Not a Closing Disclosure.