Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$700,166Cash toward the purchase price.
Closing costs + prepaids$18,167Not just lender fees.
Before credits & paid funds$718,334The complete starting cash picture.
Estimated remaining funds due at closing
$718,334No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$700,166.48
Your down payment$700,166.48
Closing costs + prepaids$18,167.45
Total buyer cash needed$718,333.92
Remaining funds due$718,333.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,500.00
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)$2,541.25
Initial HOA (3 months)$681.00
Prepaid interest, first (24 days)$220.20
Fees + prepaids$18,167.45
Your down payment is the seller’s equity. You take over the $49,834 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $718,333.92 is due at closing. Uses and sources reconcile at $768,167.45 each. Not a Closing Disclosure.