Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$332,697Cash toward the purchase price.
Closing costs + prepaids$15,820Not just lender fees.
Before credits & paid funds$348,517The complete starting cash picture.
Estimated remaining funds due at closing
$348,517No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$332,697.22
Your down payment$332,697.22
Closing costs + prepaids$15,820.01
Total buyer cash needed$348,517.23
Remaining funds due$348,517.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,950.00
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)$1,737.50
Prepaid interest, first (23 days)$657.51
Fees + prepaids$15,820.01
Your down payment is the seller’s equity. You take over the $362,303 balance, so the rest of the $695,000 price is paid at closing. A second mortgage can cover part of it. $348,517.23 is due at closing. Uses and sources reconcile at $710,820.01 each. Not a Closing Disclosure.