Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$236,604Cash toward the purchase price.
Closing costs + prepaids$16,010Not just lender fees.
Before credits & paid funds$252,614The complete starting cash picture.
Estimated remaining funds due at closing
$252,614No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$236,604.33
Your down payment$236,604.33
Closing costs + prepaids$16,009.83
Total buyer cash needed$252,614.17
Remaining funds due$252,614.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,780.00
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)$1,695.00
Prepaid interest, first (28 days)$1,059.83
Fees + prepaids$16,009.83
Your down payment is the seller’s equity. You take over the $441,396 balance, so the rest of the $678,000 price is paid at closing. A second mortgage can cover part of it. $252,614.17 is due at closing. Uses and sources reconcile at $694,009.83 each. Not a Closing Disclosure.