Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$155,330Cash toward the purchase price.
Closing costs + prepaids$13,988Not just lender fees.
Before credits & paid funds$169,318The complete starting cash picture.
Estimated remaining funds due at closing
$169,318No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$155,330.05
Your down payment$155,330.05
Closing costs + prepaids$13,988.03
Total buyer cash needed$169,318.09
Remaining funds due$169,318.09
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)$667.50
Prepaid interest, first (1 days)$95.53
Fees + prepaids$13,988.03
Your down payment is the seller’s equity. You take over the $519,670 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $169,318.09 is due at closing. Uses and sources reconcile at $688,988.03 each. Not a Closing Disclosure.