Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$603,408Cash toward the purchase price.
Closing costs + prepaids$14,502Not just lender fees.
Before credits & paid funds$617,910The complete starting cash picture.
Estimated remaining funds due at closing
$617,910No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$603,407.76
Your down payment$603,407.76
Closing costs + prepaids$14,502.12
Total buyer cash needed$617,909.88
Remaining funds due$617,909.88
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)$832.00
Prepaid interest, first (22 days)$205.12
Fees + prepaids$14,502.12
Your down payment is the seller’s equity. You take over the $95,592 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $617,909.88 is due at closing. Uses and sources reconcile at $713,502.12 each. Not a Closing Disclosure.