Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$146,431Cash toward the purchase price.
Closing costs + prepaids$16,948Not just lender fees.
Before credits & paid funds$163,380The complete starting cash picture.
Estimated remaining funds due at closing
$163,380No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,431.19
Your down payment$146,431.19
Closing costs + prepaids$16,948.37
Total buyer cash needed$163,379.56
Remaining funds due$163,379.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,990.00
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)$908.25
Prepaid interest, first (27 days)$2,575.12
Fees + prepaids$16,948.37
Your down payment is the seller’s equity. You take over the $552,569 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $163,379.56 is due at closing. Uses and sources reconcile at $715,948.37 each. Not a Closing Disclosure.