Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$292,921Cash toward the purchase price.
Closing costs + prepaids$18,181Not just lender fees.
Before credits & paid funds$311,102The complete starting cash picture.
Estimated remaining funds due at closing
$311,102No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$292,921.29
Your down payment$292,921.29
Closing costs + prepaids$18,180.53
Total buyer cash needed$311,101.81
Remaining funds due$311,101.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,300.00
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)$1,825.00
Initial HOA (3 months)$372.00
Prepaid interest, first (29 days)$1,458.53
Fees + prepaids$18,180.53
Your down payment is the seller’s equity. You take over the $437,079 balance, so the rest of the $730,000 price is paid at closing. A second mortgage can cover part of it. $311,101.81 is due at closing. Uses and sources reconcile at $748,180.53 each. Not a Closing Disclosure.