Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$524,084Cash toward the purchase price.
Closing costs + prepaids$15,400Not just lender fees.
Before credits & paid funds$539,484The complete starting cash picture.
Estimated remaining funds due at closing
$539,484No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$524,084.33
Your down payment$524,084.33
Closing costs + prepaids$15,399.73
Total buyer cash needed$539,484.06
Remaining funds due$539,484.06
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)$1,113.75
Initial HOA (3 months)$97.50
Prepaid interest, first (31 days)$723.48
Fees + prepaids$15,399.73
Your down payment is the seller’s equity. You take over the $174,916 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $539,484.06 is due at closing. Uses and sources reconcile at $714,399.73 each. Not a Closing Disclosure.