Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$320,635Cash toward the purchase price.
Closing costs + prepaids$17,738Not just lender fees.
Before credits & paid funds$338,372The complete starting cash picture.
Estimated remaining funds due at closing
$338,372No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$320,634.67
Your down payment$320,634.67
Closing costs + prepaids$17,737.68
Total buyer cash needed$338,372.35
Remaining funds due$338,372.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,999.98
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)$1,750.00
Initial HOA (3 months)$1,509.00
Prepaid interest, first (29 days)$1,003.70
Fees + prepaids$17,737.68
Your down payment is the seller’s equity. You take over the $379,363 balance, so the rest of the $699,998 price is paid at closing. A second mortgage can cover part of it. $338,372.35 is due at closing. Uses and sources reconcile at $717,735.68 each. Not a Closing Disclosure.