Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$639,985Cash toward the purchase price.
Closing costs + prepaids$16,482Not just lender fees.
Before credits & paid funds$656,467The complete starting cash picture.
Estimated remaining funds due at closing
$656,467No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$639,984.99
Your down payment$639,984.99
Closing costs + prepaids$16,482.12
Total buyer cash needed$656,467.12
Remaining funds due$656,467.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,245.00
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)$1,582.00
Prepaid interest, first (27 days)$430.12
Fees + prepaids$16,482.12
Your down payment is the seller’s equity. You take over the $84,515 balance, so the rest of the $724,500 price is paid at closing. A second mortgage can cover part of it. $656,467.12 is due at closing. Uses and sources reconcile at $740,982.12 each. Not a Closing Disclosure.