Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$690,504Cash toward the purchase price.
Closing costs + prepaids$20,174Not just lender fees.
Before credits & paid funds$710,678The complete starting cash picture.
Estimated remaining funds due at closing
$710,678No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$690,503.79
Your down payment$690,503.79
Closing costs + prepaids$20,173.80
Total buyer cash needed$710,677.59
Remaining funds due$710,677.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$10,999.29
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$546.25
Prepaid interest, first (18 days)$1,403.26
Fees + prepaids$20,173.80
Your down payment is the seller’s equity. You take over the $409,425 balance, so the rest of the $1,099,929 price is paid at closing. A second mortgage can cover part of it. $710,677.59 is due at closing. Uses and sources reconcile at $1,120,102.80 each. Not a Closing Disclosure.