Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$422,276Cash toward the purchase price.
Closing costs + prepaids$16,491Not just lender fees.
Before credits & paid funds$438,767The complete starting cash picture.
Estimated remaining funds due at closing
$438,767No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$422,276.31
Your down payment$422,276.31
Closing costs + prepaids$16,490.98
Total buyer cash needed$438,767.29
Remaining funds due$438,767.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,000.00
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)$2,186.50
Initial HOA (3 months)$249.99
Prepaid interest, first (28 days)$579.49
Fees + prepaids$16,490.98
Your down payment is the seller’s equity. You take over the $277,724 balance, so the rest of the $700,000 price is paid at closing. A second mortgage can cover part of it. $438,767.29 is due at closing. Uses and sources reconcile at $716,490.98 each. Not a Closing Disclosure.