Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$172,896Cash toward the purchase price.
Closing costs + prepaids$18,140Not just lender fees.
Before credits & paid funds$191,037The complete starting cash picture.
Estimated remaining funds due at closing
$191,037No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,896.42
Your down payment$172,896.42
Closing costs + prepaids$18,140.44
Total buyer cash needed$191,036.86
Remaining funds due$191,036.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,980.00
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)$1,745.00
Prepaid interest, first (27 days)$2,940.44
Fees + prepaids$18,140.44
Your down payment is the seller’s equity. You take over the $525,104 balance, so the rest of the $698,000 price is paid at closing. A second mortgage can cover part of it. $191,036.86 is due at closing. Uses and sources reconcile at $716,140.44 each. Not a Closing Disclosure.