Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$712,583Cash toward the purchase price.
Closing costs + prepaids$22,583Not just lender fees.
Before credits & paid funds$735,166The complete starting cash picture.
Estimated remaining funds due at closing
$735,166No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$712,582.95
Your down payment$712,582.95
Closing costs + prepaids$22,583.23
Total buyer cash needed$735,166.18
Remaining funds due$735,166.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$10,890.00
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)$2,722.50
Initial HOA (3 months)$660.00
Prepaid interest, first (28 days)$1,085.73
Fees + prepaids$22,583.23
Your down payment is the seller’s equity. You take over the $376,417 balance, so the rest of the $1,089,000 price is paid at closing. A second mortgage can cover part of it. $735,166.18 is due at closing. Uses and sources reconcile at $1,111,583.23 each. Not a Closing Disclosure.