Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$316,223Cash toward the purchase price.
Closing costs + prepaids$17,326Not just lender fees.
Before credits & paid funds$333,548The complete starting cash picture.
Estimated remaining funds due at closing
$333,548No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$316,222.54
Your down payment$316,222.54
Closing costs + prepaids$17,325.61
Total buyer cash needed$333,548.14
Remaining funds due$333,548.14
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 (26 days)$975.61
Fees + prepaids$17,325.61
Your down payment is the seller’s equity. You take over the $413,777 balance, so the rest of the $730,000 price is paid at closing. A second mortgage can cover part of it. $333,548.14 is due at closing. Uses and sources reconcile at $747,325.61 each. Not a Closing Disclosure.