Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$592,386Cash toward the purchase price.
Closing costs + prepaids$14,329Not just lender fees.
Before credits & paid funds$606,714The complete starting cash picture.
Estimated remaining funds due at closing
$606,714No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$592,385.81
Your down payment$592,385.81
Closing costs + prepaids$14,328.54
Total buyer cash needed$606,714.34
Remaining funds due$606,714.34
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)$440.00
Prepaid interest, first (29 days)$423.54
Fees + prepaids$14,328.54
Your down payment is the seller’s equity. You take over the $106,614 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $606,714.34 is due at closing. Uses and sources reconcile at $713,328.54 each. Not a Closing Disclosure.