Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$106,994Cash toward the purchase price.
Closing costs + prepaids$14,713Not just lender fees.
Before credits & paid funds$121,707The complete starting cash picture.
Estimated remaining funds due at closing
$121,707No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,993.74
Your down payment$106,993.74
Closing costs + prepaids$14,713.16
Total buyer cash needed$121,706.90
Remaining funds due$121,706.90
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)$810.00
Initial HOA (3 months)$71.25
Prepaid interest, first (6 days)$606.91
Fees + prepaids$14,713.16
Your down payment is the seller’s equity. You take over the $568,006 balance, so the rest of the $675,000 price is paid at closing. A second mortgage can cover part of it. $121,706.90 is due at closing. Uses and sources reconcile at $689,713.16 each. Not a Closing Disclosure.