Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$182,631Cash toward the purchase price.
Closing costs + prepaids$15,352Not just lender fees.
Before credits & paid funds$197,983The complete starting cash picture.
Estimated remaining funds due at closing
$197,983No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,631.08
Your down payment$182,631.08
Closing costs + prepaids$15,352.38
Total buyer cash needed$197,983.46
Remaining funds due$197,983.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,999.00
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)$840.00
Initial HOA (3 months)$180.00
Prepaid interest, first (9 days)$858.38
Fees + prepaids$15,352.38
Your down payment is the seller’s equity. You take over the $517,269 balance, so the rest of the $699,900 price is paid at closing. A second mortgage can cover part of it. $197,983.46 is due at closing. Uses and sources reconcile at $715,252.38 each. Not a Closing Disclosure.