Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$617,981Cash toward the purchase price.
Closing costs + prepaids$17,767Not just lender fees.
Before credits & paid funds$635,749The complete starting cash picture.
Estimated remaining funds due at closing
$635,749No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$617,981.42
Your down payment$617,981.42
Closing costs + prepaids$17,767.31
Total buyer cash needed$635,748.72
Remaining funds due$635,748.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,950.00
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)$1,780.25
Initial HOA (3 months)$2,400.00
Prepaid interest, first (24 days)$162.06
Fees + prepaids$17,767.31
Your down payment is the seller’s equity. You take over the $77,019 balance, so the rest of the $695,000 price is paid at closing. A second mortgage can cover part of it. $635,748.72 is due at closing. Uses and sources reconcile at $712,767.31 each. Not a Closing Disclosure.