Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$413,671Cash toward the purchase price.
Closing costs + prepaids$15,446Not just lender fees.
Before credits & paid funds$429,117The complete starting cash picture.
Estimated remaining funds due at closing
$429,117No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$413,671.07
Your down payment$413,671.07
Closing costs + prepaids$15,445.61
Total buyer cash needed$429,116.68
Remaining funds due$429,116.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,850.00
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)$1,712.50
Prepaid interest, first (18 days)$408.11
Fees + prepaids$15,445.61
Your down payment is the seller’s equity. You take over the $271,329 balance, so the rest of the $685,000 price is paid at closing. A second mortgage can cover part of it. $429,116.68 is due at closing. Uses and sources reconcile at $700,445.61 each. Not a Closing Disclosure.