Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$704,091Cash toward the purchase price.
Closing costs + prepaids$16,687Not just lender fees.
Before credits & paid funds$720,779The complete starting cash picture.
Estimated remaining funds due at closing
$720,779No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$704,091.42
Your down payment$704,091.42
Closing costs + prepaids$16,687.40
Total buyer cash needed$720,778.82
Remaining funds due$720,778.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,250.00
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)$821.25
Prepaid interest, first (24 days)$391.15
Fees + prepaids$16,687.40
Your down payment is the seller’s equity. You take over the $120,909 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $720,778.82 is due at closing. Uses and sources reconcile at $841,687.40 each. Not a Closing Disclosure.