Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$379,645Cash toward the purchase price.
Closing costs + prepaids$17,973Not just lender fees.
Before credits & paid funds$397,619The complete starting cash picture.
Estimated remaining funds due at closing
$397,619No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$379,645.23
Your down payment$379,645.23
Closing costs + prepaids$17,973.36
Total buyer cash needed$397,618.59
Remaining funds due$397,618.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,249.00
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)$1,441.00
Initial HOA (3 months)$1,005.00
Prepaid interest, first (24 days)$1,053.36
Fees + prepaids$17,973.36
Your down payment is the seller’s equity. You take over the $345,255 balance, so the rest of the $724,900 price is paid at closing. A second mortgage can cover part of it. $397,618.59 is due at closing. Uses and sources reconcile at $742,873.36 each. Not a Closing Disclosure.