Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$92,508Cash toward the purchase price.
Closing costs + prepaids$18,267Not just lender fees.
Before credits & paid funds$110,775The complete starting cash picture.
Estimated remaining funds due at closing
$110,775No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,507.69
Your down payment$92,507.69
Closing costs + prepaids$18,267.45
Total buyer cash needed$110,775.14
Remaining funds due$110,775.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,949.00
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)$1,737.25
Prepaid interest, first (29 days)$3,106.20
Fees + prepaids$18,267.45
Your down payment is the seller’s equity. You take over the $602,392 balance, so the rest of the $694,900 price is paid at closing. A second mortgage can cover part of it. $110,775.14 is due at closing. Uses and sources reconcile at $713,167.45 each. Not a Closing Disclosure.