Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$236,453Cash toward the purchase price.
Closing costs + prepaids$16,090Not just lender fees.
Before credits & paid funds$252,543The complete starting cash picture.
Estimated remaining funds due at closing
$252,543No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$236,453.39
Your down payment$236,453.39
Closing costs + prepaids$16,089.64
Total buyer cash needed$252,543.03
Remaining funds due$252,543.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,950.00
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)$1,737.50
Prepaid interest, first (18 days)$927.14
Fees + prepaids$16,089.64
Your down payment is the seller’s equity. You take over the $458,547 balance, so the rest of the $695,000 price is paid at closing. A second mortgage can cover part of it. $252,543.03 is due at closing. Uses and sources reconcile at $711,089.64 each. Not a Closing Disclosure.