Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$78,766Cash toward the purchase price.
Closing costs + prepaids$18,554Not just lender fees.
Before credits & paid funds$97,320The complete starting cash picture.
Estimated remaining funds due at closing
$97,320No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,766.00
Your down payment$78,766.00
Closing costs + prepaids$18,553.61
Total buyer cash needed$97,319.61
Remaining funds due$97,319.61
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)$1,747.50
Prepaid interest, first (29 days)$3,341.11
Fees + prepaids$18,553.61
Your down payment is the seller’s equity. You take over the $620,234 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $97,319.61 is due at closing. Uses and sources reconcile at $717,553.61 each. Not a Closing Disclosure.