Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$569,443Cash toward the purchase price.
Closing costs + prepaids$16,814Not just lender fees.
Before credits & paid funds$586,257The complete starting cash picture.
Estimated remaining funds due at closing
$586,257No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$569,443.28
Your down payment$569,443.28
Closing costs + prepaids$16,814.02
Total buyer cash needed$586,257.31
Remaining funds due$586,257.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,049.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,762.25
Initial HOA (3 months)$336.00
Prepaid interest, first (31 days)$441.77
Fees + prepaids$16,814.02
Your down payment is the seller’s equity. You take over the $135,457 balance, so the rest of the $704,900 price is paid at closing. A second mortgage can cover part of it. $586,257.31 is due at closing. Uses and sources reconcile at $721,714.02 each. Not a Closing Disclosure.