Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$309,241Cash toward the purchase price.
Closing costs + prepaids$16,246Not just lender fees.
Before credits & paid funds$325,487The complete starting cash picture.
Estimated remaining funds due at closing
$325,487No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$309,241.41
Your down payment$309,241.41
Closing costs + prepaids$16,245.67
Total buyer cash needed$325,487.08
Remaining funds due$325,487.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,999.00
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)$1,749.75
Prepaid interest, first (31 days)$1,021.92
Fees + prepaids$16,245.67
Your down payment is the seller’s equity. You take over the $390,659 balance, so the rest of the $699,900 price is paid at closing. A second mortgage can cover part of it. $325,487.08 is due at closing. Uses and sources reconcile at $716,145.67 each. Not a Closing Disclosure.