Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$127,450Cash toward the purchase price.
Closing costs + prepaids$17,307Not just lender fees.
Before credits & paid funds$144,757The complete starting cash picture.
Estimated remaining funds due at closing
$144,757No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,450.06
Your down payment$127,450.06
Closing costs + prepaids$17,306.95
Total buyer cash needed$144,757.01
Remaining funds due$144,757.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,240.00
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)$1,810.00
Prepaid interest, first (22 days)$1,031.95
Fees + prepaids$17,306.95
Your down payment is the seller’s equity. You take over the $596,550 balance, so the rest of the $724,000 price is paid at closing. A second mortgage can cover part of it. $144,757.01 is due at closing. Uses and sources reconcile at $741,306.95 each. Not a Closing Disclosure.