Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$221,047Cash toward the purchase price.
Closing costs + prepaids$17,640Not just lender fees.
Before credits & paid funds$238,688The complete starting cash picture.
Estimated remaining funds due at closing
$238,688No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,047.15
Your down payment$221,047.15
Closing costs + prepaids$17,640.48
Total buyer cash needed$238,687.63
Remaining funds due$238,687.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,999.99
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)$1,750.00
Prepaid interest, first (26 days)$2,415.49
Fees + prepaids$17,640.48
Your down payment is the seller’s equity. You take over the $478,952 balance, so the rest of the $699,999 price is paid at closing. A second mortgage can cover part of it. $238,687.63 is due at closing. Uses and sources reconcile at $717,639.48 each. Not a Closing Disclosure.