Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$256,416Cash toward the purchase price.
Closing costs + prepaids$14,211Not just lender fees.
Before credits & paid funds$270,627The complete starting cash picture.
Estimated remaining funds due at closing
$270,627No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$256,415.90
Your down payment$256,415.90
Closing costs + prepaids$14,210.67
Total buyer cash needed$270,626.57
Remaining funds due$270,626.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,690.00
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)$802.75
Prepaid interest, first (7 days)$242.92
Fees + prepaids$14,210.67
Your down payment is the seller’s equity. You take over the $412,584 balance, so the rest of the $669,000 price is paid at closing. A second mortgage can cover part of it. $270,626.57 is due at closing. Uses and sources reconcile at $683,210.67 each. Not a Closing Disclosure.