Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$167,024Cash toward the purchase price.
Closing costs + prepaids$15,617Not just lender fees.
Before credits & paid funds$182,641The complete starting cash picture.
Estimated remaining funds due at closing
$182,641No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,024.05
Your down payment$167,024.05
Closing costs + prepaids$15,616.89
Total buyer cash needed$182,640.94
Remaining funds due$182,640.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,999.00
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)$840.00
Initial HOA (3 months)$297.00
Prepaid interest, first (10 days)$1,005.89
Fees + prepaids$15,616.89
Your down payment is the seller’s equity. You take over the $532,876 balance, so the rest of the $699,900 price is paid at closing. A second mortgage can cover part of it. $182,640.94 is due at closing. Uses and sources reconcile at $715,516.89 each. Not a Closing Disclosure.