Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$166,521Cash toward the purchase price.
Closing costs + prepaids$14,735Not just lender fees.
Before credits & paid funds$181,256The complete starting cash picture.
Estimated remaining funds due at closing
$181,256No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,520.80
Your down payment$166,520.80
Closing costs + prepaids$14,734.93
Total buyer cash needed$181,255.73
Remaining funds due$181,255.73
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)$863.25
Initial HOA (3 months)$297.00
Prepaid interest, first (1 days)$100.68
Fees + prepaids$14,734.93
Your down payment is the seller’s equity. You take over the $533,379 balance, so the rest of the $699,900 price is paid at closing. A second mortgage can cover part of it. $181,255.73 is due at closing. Uses and sources reconcile at $714,634.93 each. Not a Closing Disclosure.