Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$78,513Cash toward the purchase price.
Closing costs + prepaids$15,447Not just lender fees.
Before credits & paid funds$93,960The complete starting cash picture.
Estimated remaining funds due at closing
$93,960No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,513.13
Your down payment$78,513.13
Closing costs + prepaids$15,447.04
Total buyer cash needed$93,960.18
Remaining funds due$93,960.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,988.88
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)$1,747.25
Prepaid interest, first (2 days)$235.91
Fees + prepaids$15,447.04
Your down payment is the seller’s equity. You take over the $620,375 balance, so the rest of the $698,888 price is paid at closing. A second mortgage can cover part of it. $93,960.18 is due at closing. Uses and sources reconcile at $714,335.04 each. Not a Closing Disclosure.