Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$564,593Cash toward the purchase price.
Closing costs + prepaids$14,321Not just lender fees.
Before credits & paid funds$578,913The complete starting cash picture.
Estimated remaining funds due at closing
$578,913No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$564,592.85
Your down payment$564,592.85
Closing costs + prepaids$14,320.59
Total buyer cash needed$578,913.44
Remaining funds due$578,913.44
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)$295.50
Prepaid interest, first (30 days)$560.09
Fees + prepaids$14,320.59
Your down payment is the seller’s equity. You take over the $134,407 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $578,913.44 is due at closing. Uses and sources reconcile at $713,320.59 each. Not a Closing Disclosure.