Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$696,443Cash toward the purchase price.
Closing costs + prepaids$15,809Not just lender fees.
Before credits & paid funds$712,252The complete starting cash picture.
Estimated remaining funds due at closing
$712,252No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$696,442.71
Your down payment$696,442.71
Closing costs + prepaids$15,809.07
Total buyer cash needed$712,251.78
Remaining funds due$712,251.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,500.00
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)$688.00
Initial HOA (3 months)$100.26
Prepaid interest, first (28 days)$295.81
Fees + prepaids$15,809.07
Your down payment is the seller’s equity. You take over the $53,557 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $712,251.78 is due at closing. Uses and sources reconcile at $765,809.07 each. Not a Closing Disclosure.