Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$227,909Cash toward the purchase price.
Closing costs + prepaids$16,071Not just lender fees.
Before credits & paid funds$243,980The complete starting cash picture.
Estimated remaining funds due at closing
$243,980No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$227,908.94
Your down payment$227,908.94
Closing costs + prepaids$16,071.02
Total buyer cash needed$243,979.96
Remaining funds due$243,979.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,700.00
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)$737.50
Initial HOA (3 months)$36.00
Prepaid interest, first (26 days)$2,122.52
Fees + prepaids$16,071.02
Your down payment is the seller’s equity. You take over the $442,091 balance, so the rest of the $670,000 price is paid at closing. A second mortgage can cover part of it. $243,979.96 is due at closing. Uses and sources reconcile at $686,071.02 each. Not a Closing Disclosure.