Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$161,103Cash toward the purchase price.
Closing costs + prepaids$17,065Not just lender fees.
Before credits & paid funds$178,167The complete starting cash picture.
Estimated remaining funds due at closing
$178,167No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$161,102.53
Your down payment$161,102.53
Closing costs + prepaids$17,064.58
Total buyer cash needed$178,167.11
Remaining funds due$178,167.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,799.00
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)$516.75
Initial HOA (3 months)$282.00
Prepaid interest, first (31 days)$2,991.83
Fees + prepaids$17,064.58
Your down payment is the seller’s equity. You take over the $518,797 balance, so the rest of the $679,900 price is paid at closing. A second mortgage can cover part of it. $178,167.11 is due at closing. Uses and sources reconcile at $696,964.58 each. Not a Closing Disclosure.