Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$78,238Cash toward the purchase price.
Closing costs + prepaids$19,021Not just lender fees.
Before credits & paid funds$97,259The complete starting cash picture.
Estimated remaining funds due at closing
$97,259No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,237.51
Your down payment$78,237.51
Closing costs + prepaids$19,021.02
Total buyer cash needed$97,258.54
Remaining funds due$97,258.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,999.00
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)$1,749.75
Initial HOA (3 months)$753.00
Prepaid interest, first (27 days)$3,044.27
Fees + prepaids$19,021.02
Your down payment is the seller’s equity. You take over the $621,662 balance, so the rest of the $699,900 price is paid at closing. A second mortgage can cover part of it. $97,258.54 is due at closing. Uses and sources reconcile at $718,921.02 each. Not a Closing Disclosure.