Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$512,461Cash toward the purchase price.
Closing costs + prepaids$15,591Not just lender fees.
Before credits & paid funds$528,051The complete starting cash picture.
Estimated remaining funds due at closing
$528,051No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$512,460.56
Your down payment$512,460.56
Closing costs + prepaids$15,590.78
Total buyer cash needed$528,051.34
Remaining funds due$528,051.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,000.00
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)$1,220.75
Initial HOA (3 months)$47.25
Prepaid interest, first (30 days)$847.78
Fees + prepaids$15,590.78
Your down payment is the seller’s equity. You take over the $187,539 balance, so the rest of the $700,000 price is paid at closing. A second mortgage can cover part of it. $528,051.34 is due at closing. Uses and sources reconcile at $715,590.78 each. Not a Closing Disclosure.