Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$223,604Cash toward the purchase price.
Closing costs + prepaids$16,042Not just lender fees.
Before credits & paid funds$239,646The complete starting cash picture.
Estimated remaining funds due at closing
$239,646No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$223,604.02
Your down payment$223,604.02
Closing costs + prepaids$16,042.26
Total buyer cash needed$239,646.28
Remaining funds due$239,646.28
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)$489.75
Initial HOA (3 months)$99.99
Prepaid interest, first (21 days)$1,978.52
Fees + prepaids$16,042.26
Your down payment is the seller’s equity. You take over the $476,296 balance, so the rest of the $699,900 price is paid at closing. A second mortgage can cover part of it. $239,646.28 is due at closing. Uses and sources reconcile at $715,942.26 each. Not a Closing Disclosure.