Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$332,970Cash toward the purchase price.
Closing costs + prepaids$17,187Not just lender fees.
Before credits & paid funds$350,157The complete starting cash picture.
Estimated remaining funds due at closing
$350,157No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$332,970.36
Your down payment$332,970.36
Closing costs + prepaids$17,186.70
Total buyer cash needed$350,157.06
Remaining funds due$350,157.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,250.00
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)$1,812.50
Prepaid interest, first (28 days)$899.20
Fees + prepaids$17,186.70
Your down payment is the seller’s equity. You take over the $392,030 balance, so the rest of the $725,000 price is paid at closing. A second mortgage can cover part of it. $350,157.06 is due at closing. Uses and sources reconcile at $742,186.70 each. Not a Closing Disclosure.