Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$26,267Cash toward the purchase price.
Closing costs + prepaids$17,522Not just lender fees.
Before credits & paid funds$43,789The complete starting cash picture.
Estimated remaining funds due at closing
$43,789No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,267.20
Your down payment$26,267.20
Closing costs + prepaids$17,521.54
Total buyer cash needed$43,788.74
Remaining funds due$43,788.74
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)$1,747.50
Prepaid interest, first (18 days)$2,309.04
Fees + prepaids$17,521.54
Your down payment is the seller’s equity. You take over the $672,733 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $43,788.74 is due at closing. Uses and sources reconcile at $716,521.54 each. Not a Closing Disclosure.