Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$676,417Cash toward the purchase price.
Closing costs + prepaids$17,834Not just lender fees.
Before credits & paid funds$694,250The complete starting cash picture.
Estimated remaining funds due at closing
$694,250No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$676,416.95
Your down payment$676,416.95
Closing costs + prepaids$17,833.54
Total buyer cash needed$694,250.49
Remaining funds due$694,250.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,799.90
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,239.75
Prepaid interest, first (24 days)$568.89
Fees + prepaids$17,833.54
Your down payment is the seller’s equity. You take over the $203,573 balance, so the rest of the $879,990 price is paid at closing. A second mortgage can cover part of it. $694,250.49 is due at closing. Uses and sources reconcile at $897,823.54 each. Not a Closing Disclosure.