Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$527,506Cash toward the purchase price.
Closing costs + prepaids$15,758Not just lender fees.
Before credits & paid funds$543,264The complete starting cash picture.
Estimated remaining funds due at closing
$543,264No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$527,506.13
Your down payment$527,506.13
Closing costs + prepaids$15,758.25
Total buyer cash needed$543,264.38
Remaining funds due$543,264.38
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
Prepaid interest, first (28 days)$533.26
Fees + prepaids$15,758.25
Your down payment is the seller’s equity. You take over the $172,493 balance, so the rest of the $699,999 price is paid at closing. A second mortgage can cover part of it. $543,264.38 is due at closing. Uses and sources reconcile at $715,757.25 each. Not a Closing Disclosure.