Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$447,548Cash toward the purchase price.
Closing costs + prepaids$15,829Not just lender fees.
Before credits & paid funds$463,377The complete starting cash picture.
Estimated remaining funds due at closing
$463,377No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$447,547.85
Your down payment$447,547.85
Closing costs + prepaids$15,829.07
Total buyer cash needed$463,376.92
Remaining funds due$463,376.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,799.00
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)$2,413.75
Prepaid interest, first (6 days)$141.32
Fees + prepaids$15,829.07
Your down payment is the seller’s equity. You take over the $232,352 balance, so the rest of the $679,900 price is paid at closing. A second mortgage can cover part of it. $463,376.92 is due at closing. Uses and sources reconcile at $695,729.07 each. Not a Closing Disclosure.