Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$167,684Cash toward the purchase price.
Closing costs + prepaids$14,379Not just lender fees.
Before credits & paid funds$182,063The complete starting cash picture.
Estimated remaining funds due at closing
$182,063No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,684.08
Your down payment$167,684.08
Closing costs + prepaids$14,378.84
Total buyer cash needed$182,062.92
Remaining funds due$182,062.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,990.00
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)$713.25
Prepaid interest, first (2 days)$200.59
Fees + prepaids$14,378.84
Your down payment is the seller’s equity. You take over the $531,316 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $182,062.92 is due at closing. Uses and sources reconcile at $713,378.84 each. Not a Closing Disclosure.