Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$445,304Cash toward the purchase price.
Closing costs + prepaids$16,679Not just lender fees.
Before credits & paid funds$461,983The complete starting cash picture.
Estimated remaining funds due at closing
$461,983No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$445,304.03
Your down payment$445,304.03
Closing costs + prepaids$16,678.87
Total buyer cash needed$461,982.90
Remaining funds due$461,982.90
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)$1,745.00
Initial HOA (3 months)$750.00
Prepaid interest, first (28 days)$728.87
Fees + prepaids$16,678.87
Your down payment is the seller’s equity. You take over the $252,696 balance, so the rest of the $698,000 price is paid at closing. A second mortgage can cover part of it. $461,982.90 is due at closing. Uses and sources reconcile at $714,678.87 each. Not a Closing Disclosure.