Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$9,664Cash toward the purchase price.
Closing costs + prepaids$17,846Not just lender fees.
Before credits & paid funds$27,510The complete starting cash picture.
Estimated remaining funds due at closing
$27,510No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,664.45
Your down payment$9,664.45
Closing costs + prepaids$17,845.52
Total buyer cash needed$27,509.97
Remaining funds due$27,509.97
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)$1,281.50
Prepaid interest, first (26 days)$3,139.02
Fees + prepaids$17,845.52
Your down payment is the seller’s equity. You take over the $685,336 balance, so the rest of the $695,000 price is paid at closing. A second mortgage can cover part of it. $27,509.97 is due at closing. Uses and sources reconcile at $712,845.52 each. Not a Closing Disclosure.