Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$143,077Cash toward the purchase price.
Closing costs + prepaids$14,873Not just lender fees.
Before credits & paid funds$157,950The complete starting cash picture.
Estimated remaining funds due at closing
$157,950No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,077.08
Your down payment$143,077.08
Closing costs + prepaids$14,872.79
Total buyer cash needed$157,949.87
Remaining funds due$157,949.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,895.00
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)$827.50
Initial HOA (3 months)$60.00
Prepaid interest, first (6 days)$615.29
Fees + prepaids$14,872.79
Your down payment is the seller’s equity. You take over the $546,423 balance, so the rest of the $689,500 price is paid at closing. A second mortgage can cover part of it. $157,949.87 is due at closing. Uses and sources reconcile at $704,372.79 each. Not a Closing Disclosure.