Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$674,905Cash toward the purchase price.
Closing costs + prepaids$14,701Not just lender fees.
Before credits & paid funds$689,606The complete starting cash picture.
Estimated remaining funds due at closing
$689,606No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$674,904.81
Your down payment$674,904.81
Closing costs + prepaids$14,700.70
Total buyer cash needed$689,605.51
Remaining funds due$689,605.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,899.00
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)$1,252.75
Prepaid interest, first (30 days)$73.95
Fees + prepaids$14,700.70
Your down payment is the seller’s equity. You take over the $14,995 balance, so the rest of the $689,900 price is paid at closing. A second mortgage can cover part of it. $689,605.51 is due at closing. Uses and sources reconcile at $704,600.70 each. Not a Closing Disclosure.