Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$426,998Cash toward the purchase price.
Closing costs + prepaids$14,524Not just lender fees.
Before credits & paid funds$441,523The complete starting cash picture.
Estimated remaining funds due at closing
$441,523No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$426,998.49
Your down payment$426,998.49
Closing costs + prepaids$14,524.16
Total buyer cash needed$441,522.65
Remaining funds due$441,522.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,749.00
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)$843.75
Prepaid interest, first (16 days)$456.41
Fees + prepaids$14,524.16
Your down payment is the seller’s equity. You take over the $247,902 balance, so the rest of the $674,900 price is paid at closing. A second mortgage can cover part of it. $441,522.65 is due at closing. Uses and sources reconcile at $689,424.16 each. Not a Closing Disclosure.