Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$261,784Cash toward the purchase price.
Closing costs + prepaids$14,935Not just lender fees.
Before credits & paid funds$276,718The complete starting cash picture.
Estimated remaining funds due at closing
$276,718No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$261,783.64
Your down payment$261,783.64
Closing costs + prepaids$14,934.60
Total buyer cash needed$276,718.24
Remaining funds due$276,718.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,840.00
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)$583.50
Initial HOA (3 months)$6.24
Prepaid interest, first (29 days)$1,029.86
Fees + prepaids$14,934.60
Your down payment is the seller’s equity. You take over the $422,216 balance, so the rest of the $684,000 price is paid at closing. A second mortgage can cover part of it. $276,718.24 is due at closing. Uses and sources reconcile at $698,934.60 each. Not a Closing Disclosure.