Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$338,686Cash toward the purchase price.
Closing costs + prepaids$17,974Not just lender fees.
Before credits & paid funds$356,660The complete starting cash picture.
Estimated remaining funds due at closing
$356,660No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$338,686.26
Your down payment$338,686.26
Closing costs + prepaids$17,974.01
Total buyer cash needed$356,660.27
Remaining funds due$356,660.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,300.00
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)$1,825.00
Prepaid interest, first (28 days)$1,624.01
Fees + prepaids$17,974.01
Your down payment is the seller’s equity. You take over the $391,314 balance, so the rest of the $730,000 price is paid at closing. A second mortgage can cover part of it. $356,660.27 is due at closing. Uses and sources reconcile at $747,974.01 each. Not a Closing Disclosure.