Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$672,003Cash toward the purchase price.
Closing costs + prepaids$15,858Not just lender fees.
Before credits & paid funds$687,860The complete starting cash picture.
Estimated remaining funds due at closing
$687,860No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$672,002.67
Your down payment$672,002.67
Closing costs + prepaids$15,857.50
Total buyer cash needed$687,860.17
Remaining funds due$687,860.17
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)$495.00
Prepaid interest, first (27 days)$137.51
Fees + prepaids$15,857.50
Your down payment is the seller’s equity. You take over the $27,996 balance, so the rest of the $699,999 price is paid at closing. A second mortgage can cover part of it. $687,860.17 is due at closing. Uses and sources reconcile at $715,856.50 each. Not a Closing Disclosure.