Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$115,901Cash toward the purchase price.
Closing costs + prepaids$19,586Not just lender fees.
Before credits & paid funds$135,487The complete starting cash picture.
Estimated remaining funds due at closing
$135,487No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,901.13
Your down payment$115,901.13
Closing costs + prepaids$19,585.81
Total buyer cash needed$135,486.94
Remaining funds due$135,486.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,300.00
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)$1,095.00
Initial HOA (3 months)$720.00
Prepaid interest, first (28 days)$3,245.81
Fees + prepaids$19,585.81
Your down payment is the seller’s equity. You take over the $614,099 balance, so the rest of the $730,000 price is paid at closing. A second mortgage can cover part of it. $135,486.94 is due at closing. Uses and sources reconcile at $749,585.81 each. Not a Closing Disclosure.