Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$26,199Cash toward the purchase price.
Closing costs + prepaids$18,485Not just lender fees.
Before credits & paid funds$44,683The complete starting cash picture.
Estimated remaining funds due at closing
$44,683No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,198.67
Your down payment$26,198.67
Closing costs + prepaids$18,484.67
Total buyer cash needed$44,683.34
Remaining funds due$44,683.34
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)$345.00
Prepaid interest, first (24 days)$2,977.17
Fees + prepaids$18,484.67
Your down payment is the seller’s equity. You take over the $668,801 balance, so the rest of the $695,000 price is paid at closing. A second mortgage can cover part of it. $44,683.34 is due at closing. Uses and sources reconcile at $713,484.67 each. Not a Closing Disclosure.