Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$39,213Cash toward the purchase price.
Closing costs + prepaids$15,487Not just lender fees.
Before credits & paid funds$54,700The complete starting cash picture.
Estimated remaining funds due at closing
$54,700No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,212.62
Your down payment$39,212.62
Closing costs + prepaids$15,487.37
Total buyer cash needed$54,699.99
Remaining funds due$54,699.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,790.00
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)$1,697.50
Initial HOA (3 months)$297.00
Prepaid interest, first (2 days)$227.87
Fees + prepaids$15,487.37
Your down payment is the seller’s equity. You take over the $639,787 balance, so the rest of the $679,000 price is paid at closing. A second mortgage can cover part of it. $54,699.99 is due at closing. Uses and sources reconcile at $694,487.37 each. Not a Closing Disclosure.