Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$718,148Cash toward the purchase price.
Closing costs + prepaids$16,399Not just lender fees.
Before credits & paid funds$734,548The complete starting cash picture.
Estimated remaining funds due at closing
$734,548No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$718,148.37
Your down payment$718,148.37
Closing costs + prepaids$16,399.35
Total buyer cash needed$734,547.72
Remaining funds due$734,547.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,290.00
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)$1,822.50
Prepaid interest, first (28 days)$61.85
Fees + prepaids$16,399.35
Your down payment is the seller’s equity. You take over the $10,852 balance, so the rest of the $729,000 price is paid at closing. A second mortgage can cover part of it. $734,547.72 is due at closing. Uses and sources reconcile at $745,399.35 each. Not a Closing Disclosure.