Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$56,029Cash toward the purchase price.
Closing costs + prepaids$19,805Not just lender fees.
Before credits & paid funds$75,834The complete starting cash picture.
Estimated remaining funds due at closing
$75,834No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,029.36
Your down payment$56,029.36
Closing costs + prepaids$19,804.75
Total buyer cash needed$75,834.11
Remaining funds due$75,834.11
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)$1,314.00
Prepaid interest, first (28 days)$3,328.25
Fees + prepaids$19,804.75
Your down payment is the seller’s equity. You take over the $638,971 balance, so the rest of the $695,000 price is paid at closing. A second mortgage can cover part of it. $75,834.11 is due at closing. Uses and sources reconcile at $714,804.75 each. Not a Closing Disclosure.