Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$43,938Cash toward the purchase price.
Closing costs + prepaids$20,788Not just lender fees.
Before credits & paid funds$64,726The complete starting cash picture.
Estimated remaining funds due at closing
$64,726No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,937.82
Your down payment$43,937.82
Closing costs + prepaids$20,788.15
Total buyer cash needed$64,725.96
Remaining funds due$64,725.96
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
Initial HOA (3 months)$2,010.00
Prepaid interest, first (28 days)$3,553.16
Fees + prepaids$20,788.15
Your down payment is the seller’s equity. You take over the $656,061 balance, so the rest of the $699,999 price is paid at closing. A second mortgage can cover part of it. $64,725.96 is due at closing. Uses and sources reconcile at $720,787.15 each. Not a Closing Disclosure.