Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$163,533Cash toward the purchase price.
Closing costs + prepaids$16,210Not just lender fees.
Before credits & paid funds$179,743The complete starting cash picture.
Estimated remaining funds due at closing
$179,743No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,533.17
Your down payment$163,533.17
Closing costs + prepaids$16,209.90
Total buyer cash needed$179,743.07
Remaining funds due$179,743.07
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)$676.00
Initial HOA (3 months)$375.00
Prepaid interest, first (21 days)$1,883.90
Fees + prepaids$16,209.90
Your down payment is the seller’s equity. You take over the $516,467 balance, so the rest of the $680,000 price is paid at closing. A second mortgage can cover part of it. $179,743.07 is due at closing. Uses and sources reconcile at $696,209.90 each. Not a Closing Disclosure.