Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$297,264Cash toward the purchase price.
Closing costs + prepaids$15,227Not just lender fees.
Before credits & paid funds$312,491The complete starting cash picture.
Estimated remaining funds due at closing
$312,491No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$297,264.46
Your down payment$297,264.46
Closing costs + prepaids$15,226.98
Total buyer cash needed$312,491.45
Remaining funds due$312,491.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,999.90
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Initial HOA (3 months)$246.00
Prepaid interest, first (26 days)$1,506.08
Fees + prepaids$15,226.98
Your down payment is the seller’s equity. You take over the $402,726 balance, so the rest of the $699,990 price is paid at closing. A second mortgage can cover part of it. $312,491.45 is due at closing. Uses and sources reconcile at $715,216.98 each. Not a Closing Disclosure.