Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$537,098Cash toward the purchase price.
Closing costs + prepaids$16,927Not just lender fees.
Before credits & paid funds$554,025The complete starting cash picture.
Estimated remaining funds due at closing
$554,025No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$537,098.07
Your down payment$537,098.07
Closing costs + prepaids$16,927.14
Total buyer cash needed$554,025.21
Remaining funds due$554,025.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,399.00
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)$1,849.75
Prepaid interest, first (24 days)$453.39
Fees + prepaids$16,927.14
Your down payment is the seller’s equity. You take over the $202,802 balance, so the rest of the $739,900 price is paid at closing. A second mortgage can cover part of it. $554,025.21 is due at closing. Uses and sources reconcile at $756,827.14 each. Not a Closing Disclosure.