Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$413,107Cash toward the purchase price.
Closing costs + prepaids$15,357Not just lender fees.
Before credits & paid funds$428,464The complete starting cash picture.
Estimated remaining funds due at closing
$428,464No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$413,107.02
Your down payment$413,107.02
Closing costs + prepaids$15,357.06
Total buyer cash needed$428,464.08
Remaining funds due$428,464.08
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)$1,548.75
Prepaid interest, first (31 days)$643.31
Fees + prepaids$15,357.06
Your down payment is the seller’s equity. You take over the $255,893 balance, so the rest of the $669,000 price is paid at closing. A second mortgage can cover part of it. $428,464.08 is due at closing. Uses and sources reconcile at $684,357.06 each. Not a Closing Disclosure.