Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$142,644Cash toward the purchase price.
Closing costs + prepaids$18,845Not just lender fees.
Before credits & paid funds$161,489The complete starting cash picture.
Estimated remaining funds due at closing
$161,489No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,644.41
Your down payment$142,644.41
Closing costs + prepaids$18,844.87
Total buyer cash needed$161,489.27
Remaining funds due$161,489.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,200.00
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)$1,474.50
Initial HOA (3 months)$54.00
Prepaid interest, first (27 days)$2,891.37
Fees + prepaids$18,844.87
Your down payment is the seller’s equity. You take over the $577,356 balance, so the rest of the $720,000 price is paid at closing. A second mortgage can cover part of it. $161,489.27 is due at closing. Uses and sources reconcile at $738,844.87 each. Not a Closing Disclosure.