Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$282,980Cash toward the purchase price.
Closing costs + prepaids$17,126Not just lender fees.
Before credits & paid funds$300,107The complete starting cash picture.
Estimated remaining funds due at closing
$300,107No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$282,980.40
Your down payment$282,980.40
Closing costs + prepaids$17,126.17
Total buyer cash needed$300,106.56
Remaining funds due$300,106.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,999.90
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)$945.00
Prepaid interest, first (27 days)$956.27
Fees + prepaids$17,126.17
Your down payment is the seller’s equity. You take over the $417,010 balance, so the rest of the $699,990 price is paid at closing. A second mortgage can cover part of it. $300,106.56 is due at closing. Uses and sources reconcile at $717,116.17 each. Not a Closing Disclosure.