Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$162,912Cash toward the purchase price.
Closing costs + prepaids$14,416Not just lender fees.
Before credits & paid funds$177,328The complete starting cash picture.
Estimated remaining funds due at closing
$177,328No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$162,912.13
Your down payment$162,912.13
Closing costs + prepaids$14,415.82
Total buyer cash needed$177,327.95
Remaining funds due$177,327.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,800.00
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)$676.00
Initial HOA (3 months)$375.00
Prepaid interest, first (1 days)$89.82
Fees + prepaids$14,415.82
Your down payment is the seller’s equity. You take over the $517,088 balance, so the rest of the $680,000 price is paid at closing. A second mortgage can cover part of it. $177,327.95 is due at closing. Uses and sources reconcile at $694,415.82 each. Not a Closing Disclosure.