Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$144,945Cash toward the purchase price.
Closing costs + prepaids$17,154Not just lender fees.
Before credits & paid funds$162,099The complete starting cash picture.
Estimated remaining funds due at closing
$162,099No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,944.89
Your down payment$144,944.89
Closing costs + prepaids$17,154.05
Total buyer cash needed$162,098.95
Remaining funds due$162,098.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,699.00
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)$1,674.75
Initial HOA (3 months)$261.00
Prepaid interest, first (23 days)$2,044.30
Fees + prepaids$17,154.05
Your down payment is the seller’s equity. You take over the $524,955 balance, so the rest of the $669,900 price is paid at closing. A second mortgage can cover part of it. $162,098.95 is due at closing. Uses and sources reconcile at $687,054.05 each. Not a Closing Disclosure.