Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$741,707Cash toward the purchase price.
Closing costs + prepaids$15,880Not just lender fees.
Before credits & paid funds$757,586The complete starting cash picture.
Estimated remaining funds due at closing
$757,586No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$741,706.51
Your down payment$741,706.51
Closing costs + prepaids$15,879.86
Total buyer cash needed$757,586.37
Remaining funds due$757,586.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,749.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$776.00
Prepaid interest, first (28 days)$129.86
Fees + prepaids$15,879.86
Your down payment is the seller’s equity. You take over the $33,193 balance, so the rest of the $774,900 price is paid at closing. A second mortgage can cover part of it. $757,586.37 is due at closing. Uses and sources reconcile at $790,779.86 each. Not a Closing Disclosure.