Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$240,293Cash toward the purchase price.
Closing costs + prepaids$17,517Not just lender fees.
Before credits & paid funds$257,810The complete starting cash picture.
Estimated remaining funds due at closing
$257,810No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$240,293.39
Your down payment$240,293.39
Closing costs + prepaids$17,516.53
Total buyer cash needed$257,809.91
Remaining funds due$257,809.91
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)$1,498.75
Initial HOA (3 months)$354.00
Prepaid interest, first (27 days)$2,198.78
Fees + prepaids$17,516.53
Your down payment is the seller’s equity. You take over the $458,707 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $257,809.91 is due at closing. Uses and sources reconcile at $716,516.53 each. Not a Closing Disclosure.