Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$421,713Cash toward the purchase price.
Closing costs + prepaids$14,760Not just lender fees.
Before credits & paid funds$436,473The complete starting cash picture.
Estimated remaining funds due at closing
$436,473No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$421,712.96
Your down payment$421,712.96
Closing costs + prepaids$14,759.74
Total buyer cash needed$436,472.70
Remaining funds due$436,472.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,938.00
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)$832.50
Initial HOA (3 months)$309.99
Prepaid interest, first (10 days)$204.25
Fees + prepaids$14,759.74
Your down payment is the seller’s equity. You take over the $272,087 balance, so the rest of the $693,800 price is paid at closing. A second mortgage can cover part of it. $436,472.70 is due at closing. Uses and sources reconcile at $708,559.74 each. Not a Closing Disclosure.