Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$166,792Cash toward the purchase price.
Closing costs + prepaids$15,239Not just lender fees.
Before credits & paid funds$182,030The complete starting cash picture.
Estimated remaining funds due at closing
$182,030No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,791.65
Your down payment$166,791.65
Closing costs + prepaids$15,238.77
Total buyer cash needed$182,030.43
Remaining funds due$182,030.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,999.95
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)$990.75
Prepaid interest, first (18 days)$773.07
Fees + prepaids$15,238.77
Your down payment is the seller’s equity. You take over the $533,203 balance, so the rest of the $699,995 price is paid at closing. A second mortgage can cover part of it. $182,030.43 is due at closing. Uses and sources reconcile at $715,233.77 each. Not a Closing Disclosure.