Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$173,181Cash toward the purchase price.
Closing costs + prepaids$16,996Not just lender fees.
Before credits & paid funds$190,177The complete starting cash picture.
Estimated remaining funds due at closing
$190,177No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,180.68
Your down payment$173,180.68
Closing costs + prepaids$16,996.35
Total buyer cash needed$190,177.03
Remaining funds due$190,177.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,999.00
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)$1,017.50
Initial HOA (3 months)$56.25
Prepaid interest, first (24 days)$2,448.60
Fees + prepaids$16,996.35
Your down payment is the seller’s equity. You take over the $526,719 balance, so the rest of the $699,900 price is paid at closing. A second mortgage can cover part of it. $190,177.03 is due at closing. Uses and sources reconcile at $716,896.35 each. Not a Closing Disclosure.