Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$154,347Cash toward the purchase price.
Closing costs + prepaids$15,435Not just lender fees.
Before credits & paid funds$169,781The complete starting cash picture.
Estimated remaining funds due at closing
$169,781No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,346.91
Your down payment$154,346.91
Closing costs + prepaids$15,434.54
Total buyer cash needed$169,781.46
Remaining funds due$169,781.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,790.00
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)$419.50
Prepaid interest, first (25 days)$1,750.04
Fees + prepaids$15,434.54
Your down payment is the seller’s equity. You take over the $524,653 balance, so the rest of the $679,000 price is paid at closing. A second mortgage can cover part of it. $169,781.46 is due at closing. Uses and sources reconcile at $694,434.54 each. Not a Closing Disclosure.