Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$106,836Cash toward the purchase price.
Closing costs + prepaids$19,515Not just lender fees.
Before credits & paid funds$126,351The complete starting cash picture.
Estimated remaining funds due at closing
$126,351No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,835.80
Your down payment$106,835.80
Closing costs + prepaids$19,515.21
Total buyer cash needed$126,351.00
Remaining funds due$126,351.00
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)$1,350.00
Prepaid interest, first (28 days)$2,952.71
Fees + prepaids$19,515.21
Your down payment is the seller’s equity. You take over the $592,164 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $126,351.00 is due at closing. Uses and sources reconcile at $718,515.21 each. Not a Closing Disclosure.