Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$705,719Cash toward the purchase price.
Closing costs + prepaids$17,441Not just lender fees.
Before credits & paid funds$723,160The complete starting cash picture.
Estimated remaining funds due at closing
$723,160No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$705,719.04
Your down payment$705,719.04
Closing costs + prepaids$17,440.86
Total buyer cash needed$723,159.89
Remaining funds due$723,159.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,850.00
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)$828.75
Prepaid interest, first (27 days)$537.11
Fees + prepaids$17,440.86
Your down payment is the seller’s equity. You take over the $179,281 balance, so the rest of the $885,000 price is paid at closing. A second mortgage can cover part of it. $723,159.89 is due at closing. Uses and sources reconcile at $902,440.86 each. Not a Closing Disclosure.