Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$719,864Cash toward the purchase price.
Closing costs + prepaids$25,371Not just lender fees.
Before credits & paid funds$745,236The complete starting cash picture.
Estimated remaining funds due at closing
$745,236No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$719,864.31
Your down payment$719,864.31
Closing costs + prepaids$25,371.31
Total buyer cash needed$745,235.63
Remaining funds due$745,235.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$12,999.99
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)$3,250.00
Initial HOA (3 months)$144.00
Prepaid interest, first (25 days)$1,752.32
Fees + prepaids$25,371.31
Your down payment is the seller’s equity. You take over the $580,135 balance, so the rest of the $1,299,999 price is paid at closing. A second mortgage can cover part of it. $745,235.63 is due at closing. Uses and sources reconcile at $1,325,370.31 each. Not a Closing Disclosure.