Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$446,839Cash toward the purchase price.
Closing costs + prepaids$17,922Not just lender fees.
Before credits & paid funds$464,761The complete starting cash picture.
Estimated remaining funds due at closing
$464,761No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$446,839.15
Your down payment$446,839.15
Closing costs + prepaids$17,921.54
Total buyer cash needed$464,760.70
Remaining funds due$464,760.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,390.00
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)$1,847.50
Prepaid interest, first (28 days)$1,459.04
Fees + prepaids$17,921.54
Your down payment is the seller’s equity. You take over the $292,161 balance, so the rest of the $739,000 price is paid at closing. A second mortgage can cover part of it. $464,760.70 is due at closing. Uses and sources reconcile at $756,921.54 each. Not a Closing Disclosure.