Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$175,071Cash toward the purchase price.
Closing costs + prepaids$14,609Not just lender fees.
Before credits & paid funds$189,680The complete starting cash picture.
Estimated remaining funds due at closing
$189,680No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,070.50
Your down payment$175,070.50
Closing costs + prepaids$14,609.07
Total buyer cash needed$189,679.57
Remaining funds due$189,679.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,900.00
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)$528.50
Initial HOA (3 months)$615.00
Prepaid interest, first (1 days)$90.57
Fees + prepaids$14,609.07
Your down payment is the seller’s equity. You take over the $514,929 balance, so the rest of the $690,000 price is paid at closing. A second mortgage can cover part of it. $189,679.57 is due at closing. Uses and sources reconcile at $704,609.07 each. Not a Closing Disclosure.