Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$168,175Cash toward the purchase price.
Closing costs + prepaids$17,285Not just lender fees.
Before credits & paid funds$185,460The complete starting cash picture.
Estimated remaining funds due at closing
$185,460No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,175.47
Your down payment$168,175.47
Closing costs + prepaids$17,284.52
Total buyer cash needed$185,459.99
Remaining funds due$185,459.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,990.00
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)$713.25
Prepaid interest, first (31 days)$3,106.27
Fees + prepaids$17,284.52
Your down payment is the seller’s equity. You take over the $530,825 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $185,459.99 is due at closing. Uses and sources reconcile at $716,284.52 each. Not a Closing Disclosure.