Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$721,686Cash toward the purchase price.
Closing costs + prepaids$16,000Not just lender fees.
Before credits & paid funds$737,686The complete starting cash picture.
Estimated remaining funds due at closing
$737,686No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$721,686.48
Your down payment$721,686.48
Closing costs + prepaids$15,999.70
Total buyer cash needed$737,686.18
Remaining funds due$737,686.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,250.00
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)$1,179.00
Initial HOA (3 months)$339.99
Prepaid interest, first (22 days)$5.71
Fees + prepaids$15,999.70
Your down payment is the seller’s equity. You take over the $3,314 balance, so the rest of the $725,000 price is paid at closing. A second mortgage can cover part of it. $737,686.18 is due at closing. Uses and sources reconcile at $740,999.70 each. Not a Closing Disclosure.