Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$146,909Cash toward the purchase price.
Closing costs + prepaids$19,494Not just lender fees.
Before credits & paid funds$166,402The complete starting cash picture.
Estimated remaining funds due at closing
$166,402No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,908.81
Your down payment$146,908.81
Closing costs + prepaids$19,493.66
Total buyer cash needed$166,402.47
Remaining funds due$166,402.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,199.00
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)$2,062.75
Initial HOA (3 months)$135.99
Prepaid interest, first (24 days)$2,870.92
Fees + prepaids$19,493.66
Your down payment is the seller’s equity. You take over the $572,991 balance, so the rest of the $719,900 price is paid at closing. A second mortgage can cover part of it. $166,402.47 is due at closing. Uses and sources reconcile at $739,393.66 each. Not a Closing Disclosure.