Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$720,742Cash toward the purchase price.
Closing costs + prepaids$27,180Not just lender fees.
Before credits & paid funds$747,922The complete starting cash picture.
Estimated remaining funds due at closing
$747,922No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$720,741.67
Your down payment$720,741.67
Closing costs + prepaids$27,180.45
Total buyer cash needed$747,922.12
Remaining funds due$747,922.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$13,990.00
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)$3,497.50
Initial HOA (3 months)$792.00
Prepaid interest, first (29 days)$1,675.95
Fees + prepaids$27,180.45
Your down payment is the seller’s equity. You take over the $678,258 balance, so the rest of the $1,399,000 price is paid at closing. A second mortgage can cover part of it. $747,922.12 is due at closing. Uses and sources reconcile at $1,426,180.45 each. Not a Closing Disclosure.