Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$172,222Cash toward the purchase price.
Closing costs + prepaids$17,018Not just lender fees.
Before credits & paid funds$189,240The complete starting cash picture.
Estimated remaining funds due at closing
$189,240No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,221.95
Your down payment$172,221.95
Closing costs + prepaids$17,018.44
Total buyer cash needed$189,240.39
Remaining funds due$189,240.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,795.00
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)$1,688.75
Prepaid interest, first (26 days)$2,059.69
Fees + prepaids$17,018.44
Your down payment is the seller’s equity. You take over the $507,278 balance, so the rest of the $679,500 price is paid at closing. A second mortgage can cover part of it. $189,240.39 is due at closing. Uses and sources reconcile at $696,518.44 each. Not a Closing Disclosure.