Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$153,299Cash toward the purchase price.
Closing costs + prepaids$18,946Not just lender fees.
Before credits & paid funds$172,246The complete starting cash picture.
Estimated remaining funds due at closing
$172,246No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,299.49
Your down payment$153,299.49
Closing costs + prepaids$18,946.36
Total buyer cash needed$172,245.84
Remaining funds due$172,245.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,999.99
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)$2,640.50
Initial HOA (3 months)$7.50
Prepaid interest, first (29 days)$2,823.37
Fees + prepaids$18,946.36
Your down payment is the seller’s equity. You take over the $546,700 balance, so the rest of the $699,999 price is paid at closing. A second mortgage can cover part of it. $172,245.84 is due at closing. Uses and sources reconcile at $718,945.36 each. Not a Closing Disclosure.