Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$419,660Cash toward the purchase price.
Closing costs + prepaids$17,207Not just lender fees.
Before credits & paid funds$436,867The complete starting cash picture.
Estimated remaining funds due at closing
$436,867No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$419,659.61
Your down payment$419,659.61
Closing costs + prepaids$17,207.43
Total buyer cash needed$436,867.04
Remaining funds due$436,867.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,699.90
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)$3,249.50
Initial HOA (3 months)$21.75
Prepaid interest, first (25 days)$761.28
Fees + prepaids$17,207.43
Your down payment is the seller’s equity. You take over the $250,330 balance, so the rest of the $669,990 price is paid at closing. A second mortgage can cover part of it. $436,867.04 is due at closing. Uses and sources reconcile at $687,197.43 each. Not a Closing Disclosure.