Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$693,659Cash toward the purchase price.
Closing costs + prepaids$16,746Not just lender fees.
Before credits & paid funds$710,405The complete starting cash picture.
Estimated remaining funds due at closing
$710,405No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$693,658.56
Your down payment$693,658.56
Closing costs + prepaids$16,746.44
Total buyer cash needed$710,405.00
Remaining funds due$710,405.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,499.00
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)$1,874.75
Prepaid interest, first (27 days)$147.69
Fees + prepaids$16,746.44
Your down payment is the seller’s equity. You take over the $56,241 balance, so the rest of the $749,900 price is paid at closing. A second mortgage can cover part of it. $710,405.00 is due at closing. Uses and sources reconcile at $766,646.44 each. Not a Closing Disclosure.