Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$327,610Cash toward the purchase price.
Closing costs + prepaids$17,624Not just lender fees.
Before credits & paid funds$345,234The complete starting cash picture.
Estimated remaining funds due at closing
$345,234No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$327,610.18
Your down payment$327,610.18
Closing costs + prepaids$17,623.71
Total buyer cash needed$345,233.89
Remaining funds due$345,233.89
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
Initial HOA (3 months)$891.00
Prepaid interest, first (24 days)$1,570.21
Fees + prepaids$17,623.71
Your down payment is the seller’s equity. You take over the $367,390 balance, so the rest of the $695,000 price is paid at closing. A second mortgage can cover part of it. $345,233.89 is due at closing. Uses and sources reconcile at $712,623.71 each. Not a Closing Disclosure.