Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$329,061Cash toward the purchase price.
Closing costs + prepaids$17,189Not just lender fees.
Before credits & paid funds$346,249The complete starting cash picture.
Estimated remaining funds due at closing
$346,249No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$329,060.51
Your down payment$329,060.51
Closing costs + prepaids$17,188.70
Total buyer cash needed$346,249.21
Remaining funds due$346,249.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,200.00
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)$1,800.00
Initial HOA (3 months)$180.00
Prepaid interest, first (27 days)$783.70
Fees + prepaids$17,188.70
Your down payment is the seller’s equity. You take over the $390,939 balance, so the rest of the $720,000 price is paid at closing. A second mortgage can cover part of it. $346,249.21 is due at closing. Uses and sources reconcile at $737,188.70 each. Not a Closing Disclosure.