Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$100,167Cash toward the purchase price.
Closing costs + prepaids$16,623Not just lender fees.
Before credits & paid funds$116,790The complete starting cash picture.
Estimated remaining funds due at closing
$116,790No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,167.10
Your down payment$100,167.10
Closing costs + prepaids$16,622.69
Total buyer cash needed$116,789.80
Remaining funds due$116,789.80
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)$1,737.50
Prepaid interest, first (28 days)$1,460.19
Fees + prepaids$16,622.69
Your down payment is the seller’s equity. You take over the $594,833 balance, so the rest of the $695,000 price is paid at closing. A second mortgage can cover part of it. $116,789.80 is due at closing. Uses and sources reconcile at $711,622.69 each. Not a Closing Disclosure.