Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$209,696Cash toward the purchase price.
Closing costs + prepaids$16,498Not just lender fees.
Before credits & paid funds$226,194The complete starting cash picture.
Estimated remaining funds due at closing
$226,194No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$209,696.03
Your down payment$209,696.03
Closing costs + prepaids$16,497.93
Total buyer cash needed$226,193.96
Remaining funds due$226,193.96
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)$818.75
Initial HOA (3 months)$255.00
Prepaid interest, first (29 days)$2,249.18
Fees + prepaids$16,497.93
Your down payment is the seller’s equity. You take over the $460,304 balance, so the rest of the $670,000 price is paid at closing. A second mortgage can cover part of it. $226,193.96 is due at closing. Uses and sources reconcile at $686,497.93 each. Not a Closing Disclosure.