Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$682,194Cash toward the purchase price.
Closing costs + prepaids$21,373Not just lender fees.
Before credits & paid funds$703,566The complete starting cash picture.
Estimated remaining funds due at closing
$703,566No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$682,193.93
Your down payment$682,193.93
Closing costs + prepaids$21,372.55
Total buyer cash needed$703,566.48
Remaining funds due$703,566.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,485.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,371.25
Initial HOA (3 months)$1,515.00
Prepaid interest, first (28 days)$776.30
Fees + prepaids$21,372.55
Your down payment is the seller’s equity. You take over the $266,306 balance, so the rest of the $948,500 price is paid at closing. A second mortgage can cover part of it. $703,566.48 is due at closing. Uses and sources reconcile at $969,872.55 each. Not a Closing Disclosure.