Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$601,687Cash toward the purchase price.
Closing costs + prepaids$15,472Not just lender fees.
Before credits & paid funds$617,159The complete starting cash picture.
Estimated remaining funds due at closing
$617,159No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$601,687.35
Your down payment$601,687.35
Closing costs + prepaids$15,471.54
Total buyer cash needed$617,158.89
Remaining funds due$617,158.89
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)$1,747.50
Prepaid interest, first (28 days)$259.04
Fees + prepaids$15,471.54
Your down payment is the seller’s equity. You take over the $97,313 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $617,158.89 is due at closing. Uses and sources reconcile at $714,471.54 each. Not a Closing Disclosure.