Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$141,041Cash toward the purchase price.
Closing costs + prepaids$16,752Not just lender fees.
Before credits & paid funds$157,793The complete starting cash picture.
Estimated remaining funds due at closing
$157,793No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,040.70
Your down payment$141,040.70
Closing costs + prepaids$16,751.93
Total buyer cash needed$157,792.63
Remaining funds due$157,792.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,989.00
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)$2,187.50
Prepaid interest, first (25 days)$1,100.43
Fees + prepaids$16,751.93
Your down payment is the seller’s equity. You take over the $557,859 balance, so the rest of the $698,900 price is paid at closing. A second mortgage can cover part of it. $157,792.63 is due at closing. Uses and sources reconcile at $715,651.93 each. Not a Closing Disclosure.