Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$118,663Cash toward the purchase price.
Closing costs + prepaids$14,669Not just lender fees.
Before credits & paid funds$133,331The complete starting cash picture.
Estimated remaining funds due at closing
$133,331No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,662.60
Your down payment$118,662.60
Closing costs + prepaids$14,668.78
Total buyer cash needed$133,331.38
Remaining funds due$133,331.38
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)$838.75
Initial HOA (3 months)$54.99
Prepaid interest, first (6 days)$310.04
Fees + prepaids$14,668.78
Your down payment is the seller’s equity. You take over the $580,337 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $133,331.38 is due at closing. Uses and sources reconcile at $713,668.78 each. Not a Closing Disclosure.