Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$379,563Cash toward the purchase price.
Closing costs + prepaids$14,787Not just lender fees.
Before credits & paid funds$394,350The complete starting cash picture.
Estimated remaining funds due at closing
$394,350No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$379,562.52
Your down payment$379,562.52
Closing costs + prepaids$14,787.27
Total buyer cash needed$394,349.79
Remaining funds due$394,349.79
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)$816.00
Initial HOA (3 months)$315.00
Prepaid interest, first (12 days)$381.27
Fees + prepaids$14,787.27
Your down payment is the seller’s equity. You take over the $300,437 balance, so the rest of the $680,000 price is paid at closing. A second mortgage can cover part of it. $394,349.79 is due at closing. Uses and sources reconcile at $694,787.27 each. Not a Closing Disclosure.