Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$708,803Cash toward the purchase price.
Closing costs + prepaids$21,502Not just lender fees.
Before credits & paid funds$730,305The complete starting cash picture.
Estimated remaining funds due at closing
$730,305No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$708,802.88
Your down payment$708,802.88
Closing costs + prepaids$21,502.44
Total buyer cash needed$730,305.32
Remaining funds due$730,305.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,490.00
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)$2,372.50
Initial HOA (3 months)$1,665.00
Prepaid interest, first (28 days)$749.94
Fees + prepaids$21,502.44
Your down payment is the seller’s equity. You take over the $240,197 balance, so the rest of the $949,000 price is paid at closing. A second mortgage can cover part of it. $730,305.32 is due at closing. Uses and sources reconcile at $970,502.44 each. Not a Closing Disclosure.