Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$567,101Cash toward the purchase price.
Closing costs + prepaids$16,393Not just lender fees.
Before credits & paid funds$583,495The complete starting cash picture.
Estimated remaining funds due at closing
$583,495No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$567,101.37
Your down payment$567,101.37
Closing costs + prepaids$16,393.28
Total buyer cash needed$583,494.65
Remaining funds due$583,494.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,290.00
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)$797.25
Initial HOA (3 months)$429.00
Prepaid interest, first (28 days)$652.03
Fees + prepaids$16,393.28
Your down payment is the seller’s equity. You take over the $161,899 balance, so the rest of the $729,000 price is paid at closing. A second mortgage can cover part of it. $583,494.65 is due at closing. Uses and sources reconcile at $745,393.28 each. Not a Closing Disclosure.