Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$67,831Cash toward the purchase price.
Closing costs + prepaids$18,871Not just lender fees.
Before credits & paid funds$86,701The complete starting cash picture.
Estimated remaining funds due at closing
$86,701No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,830.61
Your down payment$67,830.61
Closing costs + prepaids$18,870.54
Total buyer cash needed$86,701.15
Remaining funds due$86,701.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,999.00
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)$1,749.75
Initial HOA (3 months)$297.00
Prepaid interest, first (26 days)$3,349.79
Fees + prepaids$18,870.54
Your down payment is the seller’s equity. You take over the $632,069 balance, so the rest of the $699,900 price is paid at closing. A second mortgage can cover part of it. $86,701.15 is due at closing. Uses and sources reconcile at $718,770.54 each. Not a Closing Disclosure.