Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$520,664Cash toward the purchase price.
Closing costs + prepaids$15,691Not just lender fees.
Before credits & paid funds$536,354The complete starting cash picture.
Estimated remaining funds due at closing
$536,354No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$520,663.57
Your down payment$520,663.57
Closing costs + prepaids$15,690.60
Total buyer cash needed$536,354.16
Remaining funds due$536,354.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,249.00
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)$841.25
Prepaid interest, first (26 days)$375.35
Fees + prepaids$15,690.60
Your down payment is the seller’s equity. You take over the $204,236 balance, so the rest of the $724,900 price is paid at closing. A second mortgage can cover part of it. $536,354.16 is due at closing. Uses and sources reconcile at $740,590.60 each. Not a Closing Disclosure.