Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$723,361Cash toward the purchase price.
Closing costs + prepaids$16,634Not just lender fees.
Before credits & paid funds$739,995The complete starting cash picture.
Estimated remaining funds due at closing
$739,995No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$723,361.22
Your down payment$723,361.22
Closing costs + prepaids$16,633.78
Total buyer cash needed$739,995.00
Remaining funds due$739,995.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,480.00
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)$1,870.00
Prepaid interest, first (28 days)$58.78
Fees + prepaids$16,633.78
Your down payment is the seller’s equity. You take over the $24,639 balance, so the rest of the $748,000 price is paid at closing. A second mortgage can cover part of it. $739,995.00 is due at closing. Uses and sources reconcile at $764,633.78 each. Not a Closing Disclosure.