Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$175,697Cash toward the purchase price.
Closing costs + prepaids$15,723Not just lender fees.
Before credits & paid funds$191,419The complete starting cash picture.
Estimated remaining funds due at closing
$191,419No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,696.85
Your down payment$175,696.85
Closing costs + prepaids$15,722.61
Total buyer cash needed$191,419.46
Remaining funds due$191,419.46
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)$828.00
Initial HOA (3 months)$615.00
Prepaid interest, first (10 days)$904.61
Fees + prepaids$15,722.61
Your down payment is the seller’s equity. You take over the $514,303 balance, so the rest of the $690,000 price is paid at closing. A second mortgage can cover part of it. $191,419.46 is due at closing. Uses and sources reconcile at $705,722.61 each. Not a Closing Disclosure.