Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$639,249Cash toward the purchase price.
Closing costs + prepaids$16,579Not just lender fees.
Before credits & paid funds$655,828The complete starting cash picture.
Estimated remaining funds due at closing
$655,828No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$639,248.95
Your down payment$639,248.95
Closing costs + prepaids$16,578.76
Total buyer cash needed$655,827.71
Remaining funds due$655,827.71
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
Prepaid interest, first (26 days)$353.76
Fees + prepaids$16,578.76
Your down payment is the seller’s equity. You take over the $80,751 balance, so the rest of the $720,000 price is paid at closing. A second mortgage can cover part of it. $655,827.71 is due at closing. Uses and sources reconcile at $736,578.76 each. Not a Closing Disclosure.