Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$325,196Cash toward the purchase price.
Closing costs + prepaids$16,252Not just lender fees.
Before credits & paid funds$341,449The complete starting cash picture.
Estimated remaining funds due at closing
$341,449No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$325,196.16
Your down payment$325,196.16
Closing costs + prepaids$16,252.36
Total buyer cash needed$341,448.51
Remaining funds due$341,448.51
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 (31 days)$1,089.86
Fees + prepaids$16,252.36
Your down payment is the seller’s equity. You take over the $369,804 balance, so the rest of the $695,000 price is paid at closing. A second mortgage can cover part of it. $341,448.51 is due at closing. Uses and sources reconcile at $711,252.36 each. Not a Closing Disclosure.