Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$331,877Cash toward the purchase price.
Closing costs + prepaids$15,220Not just lender fees.
Before credits & paid funds$347,097The complete starting cash picture.
Estimated remaining funds due at closing
$347,097No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$331,877.01
Your down payment$331,877.01
Closing costs + prepaids$15,219.80
Total buyer cash needed$347,096.82
Remaining funds due$347,096.82
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 (2 days)$57.30
Fees + prepaids$15,219.80
Your down payment is the seller’s equity. You take over the $363,123 balance, so the rest of the $695,000 price is paid at closing. A second mortgage can cover part of it. $347,096.82 is due at closing. Uses and sources reconcile at $710,219.80 each. Not a Closing Disclosure.