Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$672,403Cash toward the purchase price.
Closing costs + prepaids$16,414Not just lender fees.
Before credits & paid funds$688,817The complete starting cash picture.
Estimated remaining funds due at closing
$688,817No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$672,403.20
Your down payment$672,403.20
Closing costs + prepaids$16,413.56
Total buyer cash needed$688,816.76
Remaining funds due$688,816.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,250.00
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)$1,812.50
Prepaid interest, first (27 days)$126.06
Fees + prepaids$16,413.56
Your down payment is the seller’s equity. You take over the $52,597 balance, so the rest of the $725,000 price is paid at closing. A second mortgage can cover part of it. $688,816.76 is due at closing. Uses and sources reconcile at $741,413.56 each. Not a Closing Disclosure.