Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$292,891Cash toward the purchase price.
Closing costs + prepaids$17,152Not just lender fees.
Before credits & paid funds$310,043The complete starting cash picture.
Estimated remaining funds due at closing
$310,043No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$292,890.94
Your down payment$292,890.94
Closing costs + prepaids$17,152.39
Total buyer cash needed$310,043.34
Remaining funds due$310,043.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,690.00
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)$1,672.50
Initial HOA (3 months)$558.00
Prepaid interest, first (31 days)$1,756.89
Fees + prepaids$17,152.39
Your down payment is the seller’s equity. You take over the $376,109 balance, so the rest of the $669,000 price is paid at closing. A second mortgage can cover part of it. $310,043.34 is due at closing. Uses and sources reconcile at $686,152.39 each. Not a Closing Disclosure.