Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$58,024Cash toward the purchase price.
Closing costs + prepaids$18,572Not just lender fees.
Before credits & paid funds$76,595The complete starting cash picture.
Estimated remaining funds due at closing
$76,595No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,023.53
Your down payment$58,023.53
Closing costs + prepaids$18,571.70
Total buyer cash needed$76,595.23
Remaining funds due$76,595.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,890.00
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)$1,722.50
Prepaid interest, first (29 days)$3,484.20
Fees + prepaids$18,571.70
Your down payment is the seller’s equity. You take over the $630,976 balance, so the rest of the $689,000 price is paid at closing. A second mortgage can cover part of it. $76,595.23 is due at closing. Uses and sources reconcile at $707,571.70 each. Not a Closing Disclosure.