Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$145,496Cash toward the purchase price.
Closing costs + prepaids$17,783Not just lender fees.
Before credits & paid funds$163,279The complete starting cash picture.
Estimated remaining funds due at closing
$163,279No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,496.13
Your down payment$145,496.13
Closing costs + prepaids$17,783.13
Total buyer cash needed$163,279.26
Remaining funds due$163,279.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,850.00
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)$1,396.25
Initial HOA (3 months)$780.00
Prepaid interest, first (31 days)$2,281.88
Fees + prepaids$17,783.13
Your down payment is the seller’s equity. You take over the $539,504 balance, so the rest of the $685,000 price is paid at closing. A second mortgage can cover part of it. $163,279.26 is due at closing. Uses and sources reconcile at $702,783.13 each. Not a Closing Disclosure.