Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$38,070Cash toward the purchase price.
Closing costs + prepaids$19,007Not just lender fees.
Before credits & paid funds$57,077The complete starting cash picture.
Estimated remaining funds due at closing
$57,077No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,069.77
Your down payment$38,069.77
Closing costs + prepaids$19,007.29
Total buyer cash needed$57,077.06
Remaining funds due$57,077.06
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)$1,854.50
Initial HOA (3 months)$306.00
Prepaid interest, first (28 days)$3,381.79
Fees + prepaids$19,007.29
Your down payment is the seller’s equity. You take over the $660,930 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $57,077.06 is due at closing. Uses and sources reconcile at $718,007.29 each. Not a Closing Disclosure.