Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$370,150Cash toward the purchase price.
Closing costs + prepaids$14,538Not just lender fees.
Before credits & paid funds$384,688The complete starting cash picture.
Estimated remaining funds due at closing
$384,688No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$370,150.32
Your down payment$370,150.32
Closing costs + prepaids$14,538.06
Total buyer cash needed$384,688.37
Remaining funds due$384,688.37
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)$371.75
Prepaid interest, first (28 days)$701.31
Fees + prepaids$14,538.06
Your down payment is the seller’s equity. You take over the $328,850 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $384,688.37 is due at closing. Uses and sources reconcile at $713,538.06 each. Not a Closing Disclosure.