Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$490,720Cash toward the purchase price.
Closing costs + prepaids$13,648Not just lender fees.
Before credits & paid funds$504,368The complete starting cash picture.
Estimated remaining funds due at closing
$504,368No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$490,719.81
Your down payment$490,719.81
Closing costs + prepaids$13,647.69
Total buyer cash needed$504,367.51
Remaining funds due$504,367.51
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)$376.75
Prepaid interest, first (2 days)$45.94
Fees + prepaids$13,647.69
Your down payment is the seller’s equity. You take over the $184,280 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $504,367.51 is due at closing. Uses and sources reconcile at $688,647.69 each. Not a Closing Disclosure.