Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$452,124Cash toward the purchase price.
Closing costs + prepaids$15,051Not just lender fees.
Before credits & paid funds$467,175The complete starting cash picture.
Estimated remaining funds due at closing
$467,175No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$452,124.39
Your down payment$452,124.39
Closing costs + prepaids$15,051.04
Total buyer cash needed$467,175.44
Remaining funds due$467,175.44
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)$976.25
Initial HOA (3 months)$183.00
Prepaid interest, first (30 days)$666.79
Fees + prepaids$15,051.04
Your down payment is the seller’s equity. You take over the $222,876 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $467,175.44 is due at closing. Uses and sources reconcile at $690,051.04 each. Not a Closing Disclosure.