Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$87,864Cash toward the purchase price.
Closing costs + prepaids$16,959Not just lender fees.
Before credits & paid funds$104,823The complete starting cash picture.
Estimated remaining funds due at closing
$104,823No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,864.08
Your down payment$87,864.08
Closing costs + prepaids$16,959.38
Total buyer cash needed$104,823.46
Remaining funds due$104,823.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,950.00
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)$893.75
Prepaid interest, first (25 days)$2,640.63
Fees + prepaids$16,959.38
Your down payment is the seller’s equity. You take over the $607,136 balance, so the rest of the $695,000 price is paid at closing. A second mortgage can cover part of it. $104,823.46 is due at closing. Uses and sources reconcile at $711,959.38 each. Not a Closing Disclosure.