Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$457,566Cash toward the purchase price.
Closing costs + prepaids$14,575Not just lender fees.
Before credits & paid funds$472,141The complete starting cash picture.
Estimated remaining funds due at closing
$472,141No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$457,566.13
Your down payment$457,566.13
Closing costs + prepaids$14,574.59
Total buyer cash needed$472,140.72
Remaining funds due$472,140.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,959.00
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)$835.00
Prepaid interest, first (12 days)$305.59
Fees + prepaids$14,574.59
Your down payment is the seller’s equity. You take over the $238,334 balance, so the rest of the $695,900 price is paid at closing. A second mortgage can cover part of it. $472,140.72 is due at closing. Uses and sources reconcile at $710,474.59 each. Not a Closing Disclosure.