Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$601,681Cash toward the purchase price.
Closing costs + prepaids$16,774Not just lender fees.
Before credits & paid funds$618,455The complete starting cash picture.
Estimated remaining funds due at closing
$618,455No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$601,681.35
Your down payment$601,681.35
Closing costs + prepaids$16,773.83
Total buyer cash needed$618,455.18
Remaining funds due$618,455.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,150.00
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)$1,787.50
Prepaid interest, first (29 days)$611.33
Fees + prepaids$16,773.83
Your down payment is the seller’s equity. You take over the $113,319 balance, so the rest of the $715,000 price is paid at closing. A second mortgage can cover part of it. $618,455.18 is due at closing. Uses and sources reconcile at $731,773.83 each. Not a Closing Disclosure.