Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$408,086Cash toward the purchase price.
Closing costs + prepaids$14,237Not just lender fees.
Before credits & paid funds$422,322The complete starting cash picture.
Estimated remaining funds due at closing
$422,322No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$408,085.55
Your down payment$408,085.55
Closing costs + prepaids$14,236.94
Total buyer cash needed$422,322.49
Remaining funds due$422,322.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,749.00
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)$833.25
Initial HOA (3 months)$159.00
Prepaid interest, first (1 days)$20.69
Fees + prepaids$14,236.94
Your down payment is the seller’s equity. You take over the $266,814 balance, so the rest of the $674,900 price is paid at closing. A second mortgage can cover part of it. $422,322.49 is due at closing. Uses and sources reconcile at $689,136.94 each. Not a Closing Disclosure.