Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$552,992Cash toward the purchase price.
Closing costs + prepaids$16,679Not just lender fees.
Before credits & paid funds$569,670The complete starting cash picture.
Estimated remaining funds due at closing
$569,670No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$552,991.51
Your down payment$552,991.51
Closing costs + prepaids$16,678.96
Total buyer cash needed$569,670.48
Remaining funds due$569,670.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,250.00
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)$1,477.50
Initial HOA (3 months)$75.00
Prepaid interest, first (27 days)$651.46
Fees + prepaids$16,678.96
Your down payment is the seller’s equity. You take over the $172,008 balance, so the rest of the $725,000 price is paid at closing. A second mortgage can cover part of it. $569,670.48 is due at closing. Uses and sources reconcile at $741,678.96 each. Not a Closing Disclosure.