Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$179,911Cash toward the purchase price.
Closing costs + prepaids$15,070Not just lender fees.
Before credits & paid funds$194,981The complete starting cash picture.
Estimated remaining funds due at closing
$194,981No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,910.73
Your down payment$179,910.73
Closing costs + prepaids$15,070.04
Total buyer cash needed$194,980.77
Remaining funds due$194,980.77
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)$874.75
Initial HOA (3 months)$39.99
Prepaid interest, first (23 days)$730.30
Fees + prepaids$15,070.04
Your down payment is the seller’s equity. You take over the $515,089 balance, so the rest of the $695,000 price is paid at closing. A second mortgage can cover part of it. $194,980.77 is due at closing. Uses and sources reconcile at $710,070.04 each. Not a Closing Disclosure.