Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$456,114Cash toward the purchase price.
Closing costs + prepaids$15,159Not just lender fees.
Before credits & paid funds$471,273The complete starting cash picture.
Estimated remaining funds due at closing
$471,273No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$456,113.68
Your down payment$456,113.68
Closing costs + prepaids$15,159.25
Total buyer cash needed$471,272.93
Remaining funds due$471,272.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,950.00
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)$553.25
Initial HOA (3 months)$225.00
Prepaid interest, first (27 days)$956.00
Fees + prepaids$15,159.25
Your down payment is the seller’s equity. You take over the $238,886 balance, so the rest of the $695,000 price is paid at closing. A second mortgage can cover part of it. $471,272.93 is due at closing. Uses and sources reconcile at $710,159.25 each. Not a Closing Disclosure.