Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$457,566Cash toward the purchase price.
Closing costs + prepaids$15,165Not just lender fees.
Before credits & paid funds$472,731The complete starting cash picture.
Estimated remaining funds due at closing
$472,731No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$457,566.13
Your down payment$457,566.13
Closing costs + prepaids$15,164.86
Total buyer cash needed$472,730.99
Remaining funds due$472,730.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,959.00
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)$1,068.75
Prepaid interest, first (26 days)$662.11
Fees + prepaids$15,164.86
Your down payment is the seller’s equity. You take over the $238,334 balance, so the rest of the $695,900 price is paid at closing. A second mortgage can cover part of it. $472,730.99 is due at closing. Uses and sources reconcile at $711,064.86 each. Not a Closing Disclosure.