Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$282,606Cash toward the purchase price.
Closing costs + prepaids$17,197Not just lender fees.
Before credits & paid funds$299,803The complete starting cash picture.
Estimated remaining funds due at closing
$299,803No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$282,605.51
Your down payment$282,605.51
Closing costs + prepaids$17,197.40
Total buyer cash needed$299,802.91
Remaining funds due$299,802.91
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 (28 days)$1,034.90
Fees + prepaids$17,197.40
Your down payment is the seller’s equity. You take over the $432,394 balance, so the rest of the $715,000 price is paid at closing. A second mortgage can cover part of it. $299,802.91 is due at closing. Uses and sources reconcile at $732,197.40 each. Not a Closing Disclosure.