Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$241,135Cash toward the purchase price.
Closing costs + prepaids$17,524Not just lender fees.
Before credits & paid funds$258,658The complete starting cash picture.
Estimated remaining funds due at closing
$258,658No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$241,134.60
Your down payment$241,134.60
Closing costs + prepaids$17,523.65
Total buyer cash needed$258,658.25
Remaining funds due$258,658.25
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)$1,747.50
Prepaid interest, first (28 days)$2,311.15
Fees + prepaids$17,523.65
Your down payment is the seller’s equity. You take over the $457,865 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $258,658.25 is due at closing. Uses and sources reconcile at $716,523.65 each. Not a Closing Disclosure.