Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$167,684Cash toward the purchase price.
Closing costs + prepaids$14,279Not just lender fees.
Before credits & paid funds$181,963The complete starting cash picture.
Estimated remaining funds due at closing
$181,963No 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$14,278.54
Total buyer cash needed$181,962.62
Remaining funds due$181,962.62
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 (1 days)$100.29
Fees + prepaids$14,278.54
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. $181,962.62 is due at closing. Uses and sources reconcile at $713,278.54 each. Not a Closing Disclosure.