Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$722,725Cash toward the purchase price.
Closing costs + prepaids$17,168Not just lender fees.
Before credits & paid funds$739,893The complete starting cash picture.
Estimated remaining funds due at closing
$739,893No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$722,725.17
Your down payment$722,725.17
Closing costs + prepaids$17,167.72
Total buyer cash needed$739,892.88
Remaining funds due$739,892.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,750.00
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)$1,937.50
Prepaid interest, first (27 days)$255.22
Fees + prepaids$17,167.72
Your down payment is the seller’s equity. You take over the $52,275 balance, so the rest of the $775,000 price is paid at closing. A second mortgage can cover part of it. $739,892.88 is due at closing. Uses and sources reconcile at $792,167.72 each. Not a Closing Disclosure.