Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$669,860Cash toward the purchase price.
Closing costs + prepaids$16,485Not just lender fees.
Before credits & paid funds$686,346The complete starting cash picture.
Estimated remaining funds due at closing
$686,346No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$669,860.35
Your down payment$669,860.35
Closing costs + prepaids$16,485.35
Total buyer cash needed$686,345.71
Remaining funds due$686,345.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,199.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,799.75
Prepaid interest, first (29 days)$261.60
Fees + prepaids$16,485.35
Your down payment is the seller’s equity. You take over the $50,040 balance, so the rest of the $719,900 price is paid at closing. A second mortgage can cover part of it. $686,345.71 is due at closing. Uses and sources reconcile at $736,385.35 each. Not a Closing Disclosure.