Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$719,270Cash toward the purchase price.
Closing costs + prepaids$20,784Not just lender fees.
Before credits & paid funds$740,054The complete starting cash picture.
Estimated remaining funds due at closing
$740,054No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$719,269.96
Your down payment$719,269.96
Closing costs + prepaids$20,783.66
Total buyer cash needed$740,053.63
Remaining funds due$740,053.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$10,990.00
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)$1,707.25
Prepaid interest, first (24 days)$861.41
Fees + prepaids$20,783.66
Your down payment is the seller’s equity. You take over the $379,730 balance, so the rest of the $1,099,000 price is paid at closing. A second mortgage can cover part of it. $740,053.63 is due at closing. Uses and sources reconcile at $1,119,783.66 each. Not a Closing Disclosure.