Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$451,098Cash toward the purchase price.
Closing costs + prepaids$15,188Not just lender fees.
Before credits & paid funds$466,286The complete starting cash picture.
Estimated remaining funds due at closing
$466,286No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$451,098.49
Your down payment$451,098.49
Closing costs + prepaids$15,187.69
Total buyer cash needed$466,286.18
Remaining funds due$466,286.18
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)$952.50
Prepaid interest, first (27 days)$770.19
Fees + prepaids$15,187.69
Your down payment is the seller’s equity. You take over the $247,902 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $466,286.18 is due at closing. Uses and sources reconcile at $714,187.69 each. Not a Closing Disclosure.