Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$195,540Cash toward the purchase price.
Closing costs + prepaids$16,713Not just lender fees.
Before credits & paid funds$212,253The complete starting cash picture.
Estimated remaining funds due at closing
$212,253No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$195,540.24
Your down payment$195,540.24
Closing costs + prepaids$16,712.97
Total buyer cash needed$212,253.22
Remaining funds due$212,253.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,750.00
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)$1,069.00
Prepaid interest, first (29 days)$2,418.97
Fees + prepaids$16,712.97
Your down payment is the seller’s equity. You take over the $479,460 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $212,253.22 is due at closing. Uses and sources reconcile at $691,712.97 each. Not a Closing Disclosure.