Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$524,084Cash toward the purchase price.
Closing costs + prepaids$15,213Not just lender fees.
Before credits & paid funds$539,297The complete starting cash picture.
Estimated remaining funds due at closing
$539,297No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$524,084.33
Your down payment$524,084.33
Closing costs + prepaids$15,213.03
Total buyer cash needed$539,297.36
Remaining funds due$539,297.36
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)$1,113.75
Initial HOA (3 months)$97.50
Prepaid interest, first (23 days)$536.78
Fees + prepaids$15,213.03
Your down payment is the seller’s equity. You take over the $174,916 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $539,297.36 is due at closing. Uses and sources reconcile at $714,213.03 each. Not a Closing Disclosure.