Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$32,898Cash toward the purchase price.
Closing costs + prepaids$19,428Not just lender fees.
Before credits & paid funds$52,325The complete starting cash picture.
Estimated remaining funds due at closing
$52,325No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,897.82
Your down payment$32,897.82
Closing costs + prepaids$19,427.58
Total buyer cash needed$52,325.40
Remaining funds due$52,325.40
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)$1,320.00
Prepaid interest, first (24 days)$2,895.08
Fees + prepaids$19,427.58
Your down payment is the seller’s equity. You take over the $666,102 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $52,325.40 is due at closing. Uses and sources reconcile at $718,427.58 each. Not a Closing Disclosure.