Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$300,187Cash toward the purchase price.
Closing costs + prepaids$15,249Not just lender fees.
Before credits & paid funds$315,436The complete starting cash picture.
Estimated remaining funds due at closing
$315,436No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$300,187.06
Your down payment$300,187.06
Closing costs + prepaids$15,249.42
Total buyer cash needed$315,436.47
Remaining funds due$315,436.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,899.00
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)$1,685.75
Initial HOA (3 months)$50.01
Prepaid interest, first (2 days)$139.66
Fees + prepaids$15,249.42
Your down payment is the seller’s equity. You take over the $389,713 balance, so the rest of the $689,900 price is paid at closing. A second mortgage can cover part of it. $315,436.47 is due at closing. Uses and sources reconcile at $705,149.42 each. Not a Closing Disclosure.