Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$94,710Cash toward the purchase price.
Closing costs + prepaids$18,846Not just lender fees.
Before credits & paid funds$113,555The complete starting cash picture.
Estimated remaining funds due at closing
$113,555No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,709.69
Your down payment$94,709.69
Closing costs + prepaids$18,845.79
Total buyer cash needed$113,555.48
Remaining funds due$113,555.48
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
Initial HOA (3 months)$1,434.00
Prepaid interest, first (27 days)$2,199.29
Fees + prepaids$18,845.79
Your down payment is the seller’s equity. You take over the $604,290 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $113,555.48 is due at closing. Uses and sources reconcile at $717,845.79 each. Not a Closing Disclosure.