Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$564,723Cash toward the purchase price.
Closing costs + prepaids$15,561Not just lender fees.
Before credits & paid funds$580,284The complete starting cash picture.
Estimated remaining funds due at closing
$580,284No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$564,722.56
Your down payment$564,722.56
Closing costs + prepaids$15,561.15
Total buyer cash needed$580,283.71
Remaining funds due$580,283.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,150.00
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)$820.75
Prepaid interest, first (25 days)$365.40
Fees + prepaids$15,561.15
Your down payment is the seller’s equity. You take over the $150,277 balance, so the rest of the $715,000 price is paid at closing. A second mortgage can cover part of it. $580,283.71 is due at closing. Uses and sources reconcile at $730,561.15 each. Not a Closing Disclosure.