Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$296,631Cash toward the purchase price.
Closing costs + prepaids$14,897Not just lender fees.
Before credits & paid funds$311,527The complete starting cash picture.
Estimated remaining funds due at closing
$311,527No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$296,630.55
Your down payment$296,630.55
Closing costs + prepaids$14,896.59
Total buyer cash needed$311,527.14
Remaining funds due$311,527.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,750.00
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)$928.50
Initial HOA (3 months)$9.99
Prepaid interest, first (26 days)$733.10
Fees + prepaids$14,896.59
Your down payment is the seller’s equity. You take over the $378,369 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $311,527.14 is due at closing. Uses and sources reconcile at $689,896.59 each. Not a Closing Disclosure.