Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$132,770Cash toward the purchase price.
Closing costs + prepaids$16,357Not just lender fees.
Before credits & paid funds$149,127The complete starting cash picture.
Estimated remaining funds due at closing
$149,127No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$132,769.84
Your down payment$132,769.84
Closing costs + prepaids$16,357.20
Total buyer cash needed$149,127.04
Remaining funds due$149,127.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,950.00
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)$1,737.50
Prepaid interest, first (28 days)$1,194.70
Fees + prepaids$16,357.20
Your down payment is the seller’s equity. You take over the $562,230 balance, so the rest of the $695,000 price is paid at closing. A second mortgage can cover part of it. $149,127.04 is due at closing. Uses and sources reconcile at $711,357.20 each. Not a Closing Disclosure.