Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$708,005Cash toward the purchase price.
Closing costs + prepaids$16,441Not just lender fees.
Before credits & paid funds$724,446The complete starting cash picture.
Estimated remaining funds due at closing
$724,446No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$708,005.02
Your down payment$708,005.02
Closing costs + prepaids$16,441.44
Total buyer cash needed$724,446.46
Remaining funds due$724,446.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,290.00
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)$1,822.50
Prepaid interest, first (26 days)$103.94
Fees + prepaids$16,441.44
Your down payment is the seller’s equity. You take over the $20,995 balance, so the rest of the $729,000 price is paid at closing. A second mortgage can cover part of it. $724,446.46 is due at closing. Uses and sources reconcile at $745,441.44 each. Not a Closing Disclosure.