Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$421,489Cash toward the purchase price.
Closing costs + prepaids$16,456Not just lender fees.
Before credits & paid funds$437,945The complete starting cash picture.
Estimated remaining funds due at closing
$437,945No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$421,488.95
Your down payment$421,488.95
Closing costs + prepaids$16,455.83
Total buyer cash needed$437,944.78
Remaining funds due$437,944.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,700.00
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)$1,675.00
Initial HOA (3 months)$270.00
Prepaid interest, first (30 days)$1,335.83
Fees + prepaids$16,455.83
Your down payment is the seller’s equity. You take over the $248,511 balance, so the rest of the $670,000 price is paid at closing. A second mortgage can cover part of it. $437,944.78 is due at closing. Uses and sources reconcile at $686,455.83 each. Not a Closing Disclosure.