Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$517,677Cash toward the purchase price.
Closing costs + prepaids$15,645Not just lender fees.
Before credits & paid funds$533,322The complete starting cash picture.
Estimated remaining funds due at closing
$533,322No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$517,676.90
Your down payment$517,676.90
Closing costs + prepaids$15,645.18
Total buyer cash needed$533,322.08
Remaining funds due$533,322.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,399.00
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)$613.75
Prepaid interest, first (28 days)$407.43
Fees + prepaids$15,645.18
Your down payment is the seller’s equity. You take over the $222,223 balance, so the rest of the $739,900 price is paid at closing. A second mortgage can cover part of it. $533,322.08 is due at closing. Uses and sources reconcile at $755,545.18 each. Not a Closing Disclosure.