Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$151,108Cash toward the purchase price.
Closing costs + prepaids$16,385Not just lender fees.
Before credits & paid funds$167,493The complete starting cash picture.
Estimated remaining funds due at closing
$167,493No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,108.04
Your down payment$151,108.04
Closing costs + prepaids$16,384.99
Total buyer cash needed$167,493.03
Remaining funds due$167,493.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,000.00
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)$1,750.00
Initial HOA (3 months)$375.00
Prepaid interest, first (18 days)$784.99
Fees + prepaids$16,384.99
Your down payment is the seller’s equity. You take over the $548,892 balance, so the rest of the $700,000 price is paid at closing. A second mortgage can cover part of it. $167,493.03 is due at closing. Uses and sources reconcile at $716,384.99 each. Not a Closing Disclosure.