Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$708,356Cash toward the purchase price.
Closing costs + prepaids$22,694Not just lender fees.
Before credits & paid funds$731,050The complete starting cash picture.
Estimated remaining funds due at closing
$731,050No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$708,356.06
Your down payment$708,356.06
Closing costs + prepaids$22,694.31
Total buyer cash needed$731,050.37
Remaining funds due$731,050.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$11,500.00
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)$2,875.00
Prepaid interest, first (28 days)$1,094.31
Fees + prepaids$22,694.31
Your down payment is the seller’s equity. You take over the $441,644 balance, so the rest of the $1,150,000 price is paid at closing. A second mortgage can cover part of it. $731,050.37 is due at closing. Uses and sources reconcile at $1,172,694.31 each. Not a Closing Disclosure.