Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$308,681Cash toward the purchase price.
Closing costs + prepaids$17,189Not just lender fees.
Before credits & paid funds$325,871The complete starting cash picture.
Estimated remaining funds due at closing
$325,871No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$308,681.49
Your down payment$308,681.49
Closing costs + prepaids$17,189.11
Total buyer cash needed$325,870.60
Remaining funds due$325,870.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,250.00
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)$445.00
Prepaid interest, first (29 days)$2,269.11
Fees + prepaids$17,189.11
Your down payment is the seller’s equity. You take over the $416,319 balance, so the rest of the $725,000 price is paid at closing. A second mortgage can cover part of it. $325,870.60 is due at closing. Uses and sources reconcile at $742,189.11 each. Not a Closing Disclosure.