Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$721,933Cash toward the purchase price.
Closing costs + prepaids$18,331Not just lender fees.
Before credits & paid funds$740,264The complete starting cash picture.
Estimated remaining funds due at closing
$740,264No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$721,933.40
Your down payment$721,933.40
Closing costs + prepaids$18,330.87
Total buyer cash needed$740,264.27
Remaining funds due$740,264.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,600.00
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)$2,150.00
Prepaid interest, first (28 days)$355.87
Fees + prepaids$18,330.87
Your down payment is the seller’s equity. You take over the $138,067 balance, so the rest of the $860,000 price is paid at closing. A second mortgage can cover part of it. $740,264.27 is due at closing. Uses and sources reconcile at $878,330.87 each. Not a Closing Disclosure.