Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$431,366Cash toward the purchase price.
Closing costs + prepaids$14,129Not just lender fees.
Before credits & paid funds$445,495The complete starting cash picture.
Estimated remaining funds due at closing
$445,495No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$431,366.13
Your down payment$431,366.13
Closing costs + prepaids$14,128.54
Total buyer cash needed$445,494.68
Remaining funds due$445,494.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,697.00
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)$803.75
Prepaid interest, first (6 days)$152.79
Fees + prepaids$14,128.54
Your down payment is the seller’s equity. You take over the $238,334 balance, so the rest of the $669,700 price is paid at closing. A second mortgage can cover part of it. $445,494.68 is due at closing. Uses and sources reconcile at $683,828.54 each. Not a Closing Disclosure.