Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$148,377Cash toward the purchase price.
Closing costs + prepaids$18,687Not just lender fees.
Before credits & paid funds$167,064The complete starting cash picture.
Estimated remaining funds due at closing
$167,064No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,376.65
Your down payment$148,376.65
Closing costs + prepaids$18,687.39
Total buyer cash needed$167,064.03
Remaining funds due$167,064.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,999.99
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)$1,750.00
Initial HOA (3 months)$840.00
Prepaid interest, first (24 days)$2,622.40
Fees + prepaids$18,687.39
Your down payment is the seller’s equity. You take over the $551,622 balance, so the rest of the $699,999 price is paid at closing. A second mortgage can cover part of it. $167,064.03 is due at closing. Uses and sources reconcile at $718,686.39 each. Not a Closing Disclosure.