Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$433,159Cash toward the purchase price.
Closing costs + prepaids$17,556Not just lender fees.
Before credits & paid funds$450,715The complete starting cash picture.
Estimated remaining funds due at closing
$450,715No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$433,158.81
Your down payment$433,158.81
Closing costs + prepaids$17,556.19
Total buyer cash needed$450,715.00
Remaining funds due$450,715.00
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)$1,860.00
Prepaid interest, first (26 days)$608.69
Fees + prepaids$17,556.19
Your down payment is the seller’s equity. You take over the $255,841 balance, so the rest of the $689,000 price is paid at closing. A second mortgage can cover part of it. $450,715.00 is due at closing. Uses and sources reconcile at $706,556.19 each. Not a Closing Disclosure.