Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$566,889Cash toward the purchase price.
Closing costs + prepaids$14,276Not just lender fees.
Before credits & paid funds$581,165The complete starting cash picture.
Estimated remaining funds due at closing
$581,165No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$566,889.21
Your down payment$566,889.21
Closing costs + prepaids$14,276.28
Total buyer cash needed$581,165.48
Remaining funds due$581,165.48
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)$515.78
Fees + prepaids$14,276.28
Your down payment is the seller’s equity. You take over the $132,111 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $581,165.48 is due at closing. Uses and sources reconcile at $713,276.28 each. Not a Closing Disclosure.