Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$509,550Cash toward the purchase price.
Closing costs + prepaids$16,429Not just lender fees.
Before credits & paid funds$525,978The complete starting cash picture.
Estimated remaining funds due at closing
$525,978No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$509,549.55
Your down payment$509,549.55
Closing costs + prepaids$16,428.82
Total buyer cash needed$525,978.37
Remaining funds due$525,978.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,250.00
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)$1,265.50
Prepaid interest, first (23 days)$688.32
Fees + prepaids$16,428.82
Your down payment is the seller’s equity. You take over the $215,450 balance, so the rest of the $725,000 price is paid at closing. A second mortgage can cover part of it. $525,978.37 is due at closing. Uses and sources reconcile at $741,428.82 each. Not a Closing Disclosure.