Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$421,713Cash toward the purchase price.
Closing costs + prepaids$15,085Not just lender fees.
Before credits & paid funds$436,798The complete starting cash picture.
Estimated remaining funds due at closing
$436,798No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$421,712.96
Your down payment$421,712.96
Closing costs + prepaids$15,085.42
Total buyer cash needed$436,798.38
Remaining funds due$436,798.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,938.00
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)$933.50
Initial HOA (3 months)$309.99
Prepaid interest, first (21 days)$428.93
Fees + prepaids$15,085.42
Your down payment is the seller’s equity. You take over the $272,087 balance, so the rest of the $693,800 price is paid at closing. A second mortgage can cover part of it. $436,798.38 is due at closing. Uses and sources reconcile at $708,885.42 each. Not a Closing Disclosure.