Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$67,594Cash toward the purchase price.
Closing costs + prepaids$17,813Not just lender fees.
Before credits & paid funds$85,407The complete starting cash picture.
Estimated remaining funds due at closing
$85,407No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,593.77
Your down payment$67,593.77
Closing costs + prepaids$17,812.75
Total buyer cash needed$85,406.52
Remaining funds due$85,406.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,000.00
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)$1,042.00
Initial HOA (3 months)$255.00
Prepaid interest, first (27 days)$3,040.75
Fees + prepaids$17,812.75
Your down payment is the seller’s equity. You take over the $632,406 balance, so the rest of the $700,000 price is paid at closing. A second mortgage can cover part of it. $85,406.52 is due at closing. Uses and sources reconcile at $717,812.75 each. Not a Closing Disclosure.