Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$19,166Cash toward the purchase price.
Closing costs + prepaids$17,045Not just lender fees.
Before credits & paid funds$36,211The complete starting cash picture.
Estimated remaining funds due at closing
$36,211No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,165.65
Your down payment$19,165.65
Closing costs + prepaids$17,045.38
Total buyer cash needed$36,211.03
Remaining funds due$36,211.03
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)$1,117.00
Initial HOA (3 months)$287.01
Prepaid interest, first (18 days)$2,216.37
Fees + prepaids$17,045.38
Your down payment is the seller’s equity. You take over the $675,834 balance, so the rest of the $695,000 price is paid at closing. A second mortgage can cover part of it. $36,211.03 is due at closing. Uses and sources reconcile at $712,045.38 each. Not a Closing Disclosure.