Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$170,041Cash toward the purchase price.
Closing costs + prepaids$15,021Not just lender fees.
Before credits & paid funds$185,062The complete starting cash picture.
Estimated remaining funds due at closing
$185,062No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,040.94
Your down payment$170,040.94
Closing costs + prepaids$15,021.17
Total buyer cash needed$185,062.11
Remaining funds due$185,062.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,848.91
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)$1,617.00
Prepaid interest, first (1 days)$80.26
Fees + prepaids$15,021.17
Your down payment is the seller’s equity. You take over the $514,850 balance, so the rest of the $684,891 price is paid at closing. A second mortgage can cover part of it. $185,062.11 is due at closing. Uses and sources reconcile at $699,912.17 each. Not a Closing Disclosure.