Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$122,928Cash toward the purchase price.
Closing costs + prepaids$18,746Not just lender fees.
Before credits & paid funds$141,674The complete starting cash picture.
Estimated remaining funds due at closing
$141,674No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,928.14
Your down payment$122,928.14
Closing costs + prepaids$18,745.61
Total buyer cash needed$141,673.75
Remaining funds due$141,673.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,150.00
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)$2,028.75
Initial HOA (3 months)$225.00
Prepaid interest, first (25 days)$2,116.86
Fees + prepaids$18,745.61
Your down payment is the seller’s equity. You take over the $592,072 balance, so the rest of the $715,000 price is paid at closing. A second mortgage can cover part of it. $141,673.75 is due at closing. Uses and sources reconcile at $733,745.61 each. Not a Closing Disclosure.