Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$320,635Cash toward the purchase price.
Closing costs + prepaids$17,357Not just lender fees.
Before credits & paid funds$337,992The complete starting cash picture.
Estimated remaining funds due at closing
$337,992No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$320,634.67
Your down payment$320,634.67
Closing costs + prepaids$17,356.97
Total buyer cash needed$337,991.64
Remaining funds due$337,991.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,999.98
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)$1,750.00
Initial HOA (3 months)$1,509.00
Prepaid interest, first (18 days)$622.99
Fees + prepaids$17,356.97
Your down payment is the seller’s equity. You take over the $379,363 balance, so the rest of the $699,998 price is paid at closing. A second mortgage can cover part of it. $337,991.64 is due at closing. Uses and sources reconcile at $717,354.97 each. Not a Closing Disclosure.