Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$519,471Cash toward the purchase price.
Closing costs + prepaids$15,381Not just lender fees.
Before credits & paid funds$534,852The complete starting cash picture.
Estimated remaining funds due at closing
$534,852No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$519,470.73
Your down payment$519,470.73
Closing costs + prepaids$15,381.01
Total buyer cash needed$534,851.74
Remaining funds due$534,851.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,980.00
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)$1,463.50
Prepaid interest, first (24 days)$462.51
Fees + prepaids$15,381.01
Your down payment is the seller’s equity. You take over the $178,529 balance, so the rest of the $698,000 price is paid at closing. A second mortgage can cover part of it. $534,851.74 is due at closing. Uses and sources reconcile at $713,381.01 each. Not a Closing Disclosure.