Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$355,943Cash toward the purchase price.
Closing costs + prepaids$13,678Not just lender fees.
Before credits & paid funds$369,621The complete starting cash picture.
Estimated remaining funds due at closing
$369,621No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$355,943.31
Your down payment$355,943.31
Closing costs + prepaids$13,677.73
Total buyer cash needed$369,621.04
Remaining funds due$369,621.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,890.00
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)$288.00
Prepaid interest, first (1 days)$24.73
Fees + prepaids$13,677.73
Your down payment is the seller’s equity. You take over the $333,057 balance, so the rest of the $689,000 price is paid at closing. A second mortgage can cover part of it. $369,621.04 is due at closing. Uses and sources reconcile at $702,677.73 each. Not a Closing Disclosure.