Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$408,728Cash toward the purchase price.
Closing costs + prepaids$14,856Not just lender fees.
Before credits & paid funds$423,584The complete starting cash picture.
Estimated remaining funds due at closing
$423,584No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$408,727.61
Your down payment$408,727.61
Closing costs + prepaids$14,856.01
Total buyer cash needed$423,583.62
Remaining funds due$423,583.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,749.00
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)$833.25
Initial HOA (3 months)$159.00
Prepaid interest, first (31 days)$639.76
Fees + prepaids$14,856.01
Your down payment is the seller’s equity. You take over the $266,172 balance, so the rest of the $674,900 price is paid at closing. A second mortgage can cover part of it. $423,583.62 is due at closing. Uses and sources reconcile at $689,756.01 each. Not a Closing Disclosure.