Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$175,697Cash toward the purchase price.
Closing costs + prepaids$17,323Not just lender fees.
Before credits & paid funds$193,020The complete starting cash picture.
Estimated remaining funds due at closing
$193,020No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,696.85
Your down payment$175,696.85
Closing costs + prepaids$17,322.79
Total buyer cash needed$193,019.64
Remaining funds due$193,019.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,900.00
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)$528.50
Initial HOA (3 months)$615.00
Prepaid interest, first (31 days)$2,804.29
Fees + prepaids$17,322.79
Your down payment is the seller’s equity. You take over the $514,303 balance, so the rest of the $690,000 price is paid at closing. A second mortgage can cover part of it. $193,019.64 is due at closing. Uses and sources reconcile at $707,322.79 each. Not a Closing Disclosure.