Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$439,269Cash toward the purchase price.
Closing costs + prepaids$14,147Not just lender fees.
Before credits & paid funds$453,416The complete starting cash picture.
Estimated remaining funds due at closing
$453,416No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$439,268.86
Your down payment$439,268.86
Closing costs + prepaids$14,146.66
Total buyer cash needed$453,415.52
Remaining funds due$453,415.52
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)$531.25
Initial HOA (3 months)$129.99
Prepaid interest, first (1 days)$20.42
Fees + prepaids$14,146.66
Your down payment is the seller’s equity. You take over the $259,731 balance, so the rest of the $699,000 price is paid at closing. A second mortgage can cover part of it. $453,415.52 is due at closing. Uses and sources reconcile at $713,146.66 each. Not a Closing Disclosure.