Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$426,058Cash toward the purchase price.
Closing costs + prepaids$14,727Not just lender fees.
Before credits & paid funds$440,785The complete starting cash picture.
Estimated remaining funds due at closing
$440,785No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$426,058.00
Your down payment$426,058.00
Closing costs + prepaids$14,726.96
Total buyer cash needed$440,784.96
Remaining funds due$440,784.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,988.00
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 (1 days)$20.47
Fees + prepaids$14,726.96
Your down payment is the seller’s equity. You take over the $272,742 balance, so the rest of the $698,800 price is paid at closing. A second mortgage can cover part of it. $440,784.96 is due at closing. Uses and sources reconcile at $713,526.96 each. Not a Closing Disclosure.