Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$729,046Cash toward the purchase price.
Closing costs + prepaids$16,356Not just lender fees.
Before credits & paid funds$745,403The complete starting cash picture.
Estimated remaining funds due at closing
$745,403No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$729,046.35
Your down payment$729,046.35
Closing costs + prepaids$16,356.18
Total buyer cash needed$745,402.53
Remaining funds due$745,402.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,300.00
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)$1,825.00
Prepaid interest, first (29 days)$6.18
Fees + prepaids$16,356.18
Your down payment is the seller’s equity. You take over the $954 balance, so the rest of the $730,000 price is paid at closing. A second mortgage can cover part of it. $745,402.53 is due at closing. Uses and sources reconcile at $746,356.18 each. Not a Closing Disclosure.