Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$276,520Cash toward the purchase price.
Closing costs + prepaids$17,166Not just lender fees.
Before credits & paid funds$293,686The complete starting cash picture.
Estimated remaining funds due at closing
$293,686No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$276,519.98
Your down payment$276,519.98
Closing costs + prepaids$17,166.39
Total buyer cash needed$293,686.37
Remaining funds due$293,686.37
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)$1,800.00
Prepaid interest, first (26 days)$941.39
Fees + prepaids$17,166.39
Your down payment is the seller’s equity. You take over the $443,480 balance, so the rest of the $720,000 price is paid at closing. A second mortgage can cover part of it. $293,686.37 is due at closing. Uses and sources reconcile at $737,166.39 each. Not a Closing Disclosure.