Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$696,083Cash toward the purchase price.
Closing costs + prepaids$19,193Not just lender fees.
Before credits & paid funds$715,277The complete starting cash picture.
Estimated remaining funds due at closing
$715,277No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$696,083.38
Your down payment$696,083.38
Closing costs + prepaids$19,193.23
Total buyer cash needed$715,276.61
Remaining funds due$715,276.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,988.88
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,247.25
Prepaid interest, first (27 days)$732.10
Fees + prepaids$19,193.23
Your down payment is the seller’s equity. You take over the $202,805 balance, so the rest of the $898,888 price is paid at closing. A second mortgage can cover part of it. $715,276.61 is due at closing. Uses and sources reconcile at $918,081.23 each. Not a Closing Disclosure.