Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$116,047Cash toward the purchase price.
Closing costs + prepaids$17,680Not just lender fees.
Before credits & paid funds$133,727The complete starting cash picture.
Estimated remaining funds due at closing
$133,727No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,046.85
Your down payment$116,046.85
Closing costs + prepaids$17,680.07
Total buyer cash needed$133,726.92
Remaining funds due$133,726.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,990.00
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)$1,747.50
Prepaid interest, first (25 days)$2,467.57
Fees + prepaids$17,680.07
Your down payment is the seller’s equity. You take over the $582,953 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $133,726.92 is due at closing. Uses and sources reconcile at $716,680.07 each. Not a Closing Disclosure.