Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$677,083Cash toward the purchase price.
Closing costs + prepaids$17,719Not just lender fees.
Before credits & paid funds$694,803The complete starting cash picture.
Estimated remaining funds due at closing
$694,803No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$677,083.50
Your down payment$677,083.50
Closing costs + prepaids$17,719.06
Total buyer cash needed$694,802.56
Remaining funds due$694,802.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,500.00
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)$1,875.00
Initial HOA (3 months)$906.00
Prepaid interest, first (27 days)$213.06
Fees + prepaids$17,719.06
Your down payment is the seller’s equity. You take over the $72,917 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $694,802.56 is due at closing. Uses and sources reconcile at $767,719.06 each. Not a Closing Disclosure.