Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$139,634Cash toward the purchase price.
Closing costs + prepaids$15,499Not just lender fees.
Before credits & paid funds$155,132The complete starting cash picture.
Estimated remaining funds due at closing
$155,132No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,633.52
Your down payment$139,633.52
Closing costs + prepaids$15,498.77
Total buyer cash needed$155,132.30
Remaining funds due$155,132.30
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)$2,003.50
Initial HOA (3 months)$135.00
Prepaid interest, first (2 days)$85.27
Fees + prepaids$15,498.77
Your down payment is the seller’s equity. You take over the $540,366 balance, so the rest of the $680,000 price is paid at closing. A second mortgage can cover part of it. $155,132.30 is due at closing. Uses and sources reconcile at $695,498.77 each. Not a Closing Disclosure.