Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$399,766Cash toward the purchase price.
Closing costs + prepaids$14,434Not just lender fees.
Before credits & paid funds$414,200The complete starting cash picture.
Estimated remaining funds due at closing
$414,200No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$399,766.46
Your down payment$399,766.46
Closing costs + prepaids$14,434.01
Total buyer cash needed$414,200.47
Remaining funds due$414,200.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,800.00
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)$449.75
Prepaid interest, first (31 days)$709.26
Fees + prepaids$14,434.01
Your down payment is the seller’s equity. You take over the $280,234 balance, so the rest of the $680,000 price is paid at closing. A second mortgage can cover part of it. $414,200.47 is due at closing. Uses and sources reconcile at $694,434.01 each. Not a Closing Disclosure.