Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$435,862Cash toward the purchase price.
Closing costs + prepaids$14,636Not just lender fees.
Before credits & paid funds$450,498The complete starting cash picture.
Estimated remaining funds due at closing
$450,498No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$435,861.85
Your down payment$435,861.85
Closing costs + prepaids$14,636.39
Total buyer cash needed$450,498.25
Remaining funds due$450,498.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,950.00
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 (27 days)$550.15
Fees + prepaids$14,636.39
Your down payment is the seller’s equity. You take over the $259,138 balance, so the rest of the $695,000 price is paid at closing. A second mortgage can cover part of it. $450,498.25 is due at closing. Uses and sources reconcile at $709,636.39 each. Not a Closing Disclosure.