Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$276,787Cash toward the purchase price.
Closing costs + prepaids$14,422Not just lender fees.
Before credits & paid funds$291,210The complete starting cash picture.
Estimated remaining funds due at closing
$291,210No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$276,787.45
Your down payment$276,787.45
Closing costs + prepaids$14,422.16
Total buyer cash needed$291,209.60
Remaining funds due$291,209.60
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)$226.50
Prepaid interest, first (31 days)$970.66
Fees + prepaids$14,422.16
Your down payment is the seller’s equity. You take over the $398,213 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $291,209.60 is due at closing. Uses and sources reconcile at $689,422.16 each. Not a Closing Disclosure.