Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$566,813Cash toward the purchase price.
Closing costs + prepaids$17,132Not just lender fees.
Before credits & paid funds$583,945The complete starting cash picture.
Estimated remaining funds due at closing
$583,945No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$566,813.26
Your down payment$566,813.26
Closing costs + prepaids$17,132.11
Total buyer cash needed$583,945.37
Remaining funds due$583,945.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,450.00
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)$1,862.50
Prepaid interest, first (28 days)$594.61
Fees + prepaids$17,132.11
Your down payment is the seller’s equity. You take over the $178,187 balance, so the rest of the $745,000 price is paid at closing. A second mortgage can cover part of it. $583,945.37 is due at closing. Uses and sources reconcile at $762,132.11 each. Not a Closing Disclosure.