Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$139,193Cash toward the purchase price.
Closing costs + prepaids$14,967Not just lender fees.
Before credits & paid funds$154,160The complete starting cash picture.
Estimated remaining funds due at closing
$154,160No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,192.93
Your down payment$139,192.93
Closing costs + prepaids$14,966.77
Total buyer cash needed$154,159.70
Remaining funds due$154,159.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,949.99
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)$834.00
Prepaid interest, first (7 days)$707.78
Fees + prepaids$14,966.77
Your down payment is the seller’s equity. You take over the $555,806 balance, so the rest of the $694,999 price is paid at closing. A second mortgage can cover part of it. $154,159.70 is due at closing. Uses and sources reconcile at $709,965.77 each. Not a Closing Disclosure.