Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$155,330Cash toward the purchase price.
Closing costs + prepaids$14,084Not just lender fees.
Before credits & paid funds$169,414The complete starting cash picture.
Estimated remaining funds due at closing
$169,414No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$155,330.05
Your down payment$155,330.05
Closing costs + prepaids$14,083.57
Total buyer cash needed$169,413.62
Remaining funds due$169,413.62
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)$667.50
Prepaid interest, first (2 days)$191.07
Fees + prepaids$14,083.57
Your down payment is the seller’s equity. You take over the $519,670 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $169,413.62 is due at closing. Uses and sources reconcile at $689,083.57 each. Not a Closing Disclosure.