Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$184,403Cash toward the purchase price.
Closing costs + prepaids$16,859Not just lender fees.
Before credits & paid funds$201,262The complete starting cash picture.
Estimated remaining funds due at closing
$201,262No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$184,402.57
Your down payment$184,402.57
Closing costs + prepaids$16,859.45
Total buyer cash needed$201,262.02
Remaining funds due$201,262.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,899.00
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)$1,724.75
Initial HOA (3 months)$609.00
Prepaid interest, first (28 days)$1,151.70
Fees + prepaids$16,859.45
Your down payment is the seller’s equity. You take over the $505,497 balance, so the rest of the $689,900 price is paid at closing. A second mortgage can cover part of it. $201,262.02 is due at closing. Uses and sources reconcile at $706,759.45 each. Not a Closing Disclosure.