Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$712,338Cash toward the purchase price.
Closing costs + prepaids$17,547Not just lender fees.
Before credits & paid funds$729,885The complete starting cash picture.
Estimated remaining funds due at closing
$729,885No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$712,338.25
Your down payment$712,338.25
Closing costs + prepaids$17,546.72
Total buyer cash needed$729,884.97
Remaining funds due$729,884.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,299.99
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
Initial HOA (3 months)$1,110.00
Prepaid interest, first (25 days)$86.73
Fees + prepaids$17,546.72
Your down payment is the seller’s equity. You take over the $17,661 balance, so the rest of the $729,999 price is paid at closing. A second mortgage can cover part of it. $729,884.97 is due at closing. Uses and sources reconcile at $747,545.72 each. Not a Closing Disclosure.