Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$24,348Cash toward the purchase price.
Closing costs + prepaids$18,723Not just lender fees.
Before credits & paid funds$43,071The complete starting cash picture.
Estimated remaining funds due at closing
$43,071No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,348.43
Your down payment$24,348.43
Closing costs + prepaids$18,722.65
Total buyer cash needed$43,071.08
Remaining funds due$43,071.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,950.00
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)$1,737.50
Prepaid interest, first (28 days)$3,560.15
Fees + prepaids$18,722.65
Your down payment is the seller’s equity. You take over the $670,652 balance, so the rest of the $695,000 price is paid at closing. A second mortgage can cover part of it. $43,071.08 is due at closing. Uses and sources reconcile at $713,722.65 each. Not a Closing Disclosure.