Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$659,204Cash toward the purchase price.
Closing costs + prepaids$14,952Not just lender fees.
Before credits & paid funds$674,157The complete starting cash picture.
Estimated remaining funds due at closing
$674,157No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$659,204.44
Your down payment$659,204.44
Closing costs + prepaids$14,952.20
Total buyer cash needed$674,156.64
Remaining funds due$674,156.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,320.00
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)$122.00
Prepaid interest, first (26 days)$285.20
Fees + prepaids$14,952.20
Your down payment is the seller’s equity. You take over the $72,796 balance, so the rest of the $732,000 price is paid at closing. A second mortgage can cover part of it. $674,156.64 is due at closing. Uses and sources reconcile at $746,952.20 each. Not a Closing Disclosure.