Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$653,455Cash toward the purchase price.
Closing costs + prepaids$15,783Not just lender fees.
Before credits & paid funds$669,237The complete starting cash picture.
Estimated remaining funds due at closing
$669,237No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$653,454.61
Your down payment$653,454.61
Closing costs + prepaids$15,782.69
Total buyer cash needed$669,237.29
Remaining funds due$669,237.29
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)$1,836.00
Initial HOA (3 months)$600.00
Prepaid interest, first (31 days)$121.69
Fees + prepaids$15,782.69
Your down payment is the seller’s equity. You take over the $21,545 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $669,237.29 is due at closing. Uses and sources reconcile at $690,782.69 each. Not a Closing Disclosure.