Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$154,960Cash toward the purchase price.
Closing costs + prepaids$15,011Not just lender fees.
Before credits & paid funds$169,970The complete starting cash picture.
Estimated remaining funds due at closing
$169,970No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,959.81
Your down payment$154,959.81
Closing costs + prepaids$15,010.67
Total buyer cash needed$169,970.47
Remaining funds due$169,970.47
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)$1,687.50
Prepaid interest, first (1 days)$98.17
Fees + prepaids$15,010.67
Your down payment is the seller’s equity. You take over the $520,040 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $169,970.47 is due at closing. Uses and sources reconcile at $690,010.67 each. Not a Closing Disclosure.