Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$238,500Cash toward the purchase price.
Closing costs + prepaids$16,620Not just lender fees.
Before credits & paid funds$255,119The complete starting cash picture.
Estimated remaining funds due at closing
$255,119No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$238,499.85
Your down payment$238,499.85
Closing costs + prepaids$16,619.62
Total buyer cash needed$255,119.47
Remaining funds due$255,119.47
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)$689.00
Initial HOA (3 months)$128.76
Prepaid interest, first (29 days)$2,327.86
Fees + prepaids$16,619.62
Your down payment is the seller’s equity. You take over the $461,400 balance, so the rest of the $699,900 price is paid at closing. A second mortgage can cover part of it. $255,119.47 is due at closing. Uses and sources reconcile at $716,519.62 each. Not a Closing Disclosure.