Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$172,462Cash toward the purchase price.
Closing costs + prepaids$14,793Not just lender fees.
Before credits & paid funds$187,255The complete starting cash picture.
Estimated remaining funds due at closing
$187,255No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,461.52
Your down payment$172,461.52
Closing costs + prepaids$14,793.27
Total buyer cash needed$187,254.79
Remaining funds due$187,254.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,800.00
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)$816.00
Initial HOA (3 months)$420.00
Prepaid interest, first (7 days)$282.27
Fees + prepaids$14,793.27
Your down payment is the seller’s equity. You take over the $507,538 balance, so the rest of the $680,000 price is paid at closing. A second mortgage can cover part of it. $187,254.79 is due at closing. Uses and sources reconcile at $694,793.27 each. Not a Closing Disclosure.