Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$426,713Cash toward the purchase price.
Closing costs + prepaids$15,258Not just lender fees.
Before credits & paid funds$441,971The complete starting cash picture.
Estimated remaining funds due at closing
$441,971No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$426,712.96
Your down payment$426,712.96
Closing costs + prepaids$15,257.97
Total buyer cash needed$441,970.93
Remaining funds due$441,970.93
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 (27 days)$551.48
Fees + prepaids$15,257.97
Your down payment is the seller’s equity. You take over the $272,087 balance, so the rest of the $698,800 price is paid at closing. A second mortgage can cover part of it. $441,970.93 is due at closing. Uses and sources reconcile at $714,057.97 each. Not a Closing Disclosure.