Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$422,570Cash toward the purchase price.
Closing costs + prepaids$16,588Not just lender fees.
Before credits & paid funds$439,158The complete starting cash picture.
Estimated remaining funds due at closing
$439,158No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$422,570.01
Your down payment$422,570.01
Closing costs + prepaids$16,588.43
Total buyer cash needed$439,158.43
Remaining funds due$439,158.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,890.00
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)$1,722.50
Initial HOA (3 months)$945.00
Prepaid interest, first (28 days)$555.93
Fees + prepaids$16,588.43
Your down payment is the seller’s equity. You take over the $266,430 balance, so the rest of the $689,000 price is paid at closing. A second mortgage can cover part of it. $439,158.43 is due at closing. Uses and sources reconcile at $705,588.43 each. Not a Closing Disclosure.