Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$435,862Cash toward the purchase price.
Closing costs + prepaids$14,657Not just lender fees.
Before credits & paid funds$450,519The complete starting cash picture.
Estimated remaining funds due at closing
$450,519No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$435,861.85
Your down payment$435,861.85
Closing costs + prepaids$14,656.77
Total buyer cash needed$450,518.62
Remaining funds due$450,518.62
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)$531.25
Initial HOA (3 months)$129.99
Prepaid interest, first (28 days)$570.53
Fees + prepaids$14,656.77
Your down payment is the seller’s equity. You take over the $259,138 balance, so the rest of the $695,000 price is paid at closing. A second mortgage can cover part of it. $450,518.62 is due at closing. Uses and sources reconcile at $709,656.77 each. Not a Closing Disclosure.