Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$163,533Cash toward the purchase price.
Closing costs + prepaids$17,107Not just lender fees.
Before credits & paid funds$180,640The complete starting cash picture.
Estimated remaining funds due at closing
$180,640No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,533.17
Your down payment$163,533.17
Closing costs + prepaids$17,107.00
Total buyer cash needed$180,640.17
Remaining funds due$180,640.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,800.00
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)$676.00
Initial HOA (3 months)$375.00
Prepaid interest, first (31 days)$2,781.00
Fees + prepaids$17,107.00
Your down payment is the seller’s equity. You take over the $516,467 balance, so the rest of the $680,000 price is paid at closing. A second mortgage can cover part of it. $180,640.17 is due at closing. Uses and sources reconcile at $697,107.00 each. Not a Closing Disclosure.