Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$173,321Cash toward the purchase price.
Closing costs + prepaids$16,125Not just lender fees.
Before credits & paid funds$189,446The complete starting cash picture.
Estimated remaining funds due at closing
$189,446No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,320.71
Your down payment$173,320.71
Closing costs + prepaids$16,125.17
Total buyer cash needed$189,445.88
Remaining funds due$189,445.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,995.00
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)$500.00
Prepaid interest, first (23 days)$2,155.17
Fees + prepaids$16,125.17
Your down payment is the seller’s equity. You take over the $526,179 balance, so the rest of the $699,500 price is paid at closing. A second mortgage can cover part of it. $189,445.88 is due at closing. Uses and sources reconcile at $715,625.17 each. Not a Closing Disclosure.