Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$278,090Cash toward the purchase price.
Closing costs + prepaids$17,267Not just lender fees.
Before credits & paid funds$295,356The complete starting cash picture.
Estimated remaining funds due at closing
$295,356No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$278,089.65
Your down payment$278,089.65
Closing costs + prepaids$17,266.77
Total buyer cash needed$295,356.42
Remaining funds due$295,356.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,245.99
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)$1,811.50
Prepaid interest, first (27 days)$984.28
Fees + prepaids$17,266.77
Your down payment is the seller’s equity. You take over the $446,509 balance, so the rest of the $724,599 price is paid at closing. A second mortgage can cover part of it. $295,356.42 is due at closing. Uses and sources reconcile at $741,865.77 each. Not a Closing Disclosure.