Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$743,479Cash toward the purchase price.
Closing costs + prepaids$16,902Not just lender fees.
Before credits & paid funds$760,381The complete starting cash picture.
Estimated remaining funds due at closing
$760,381No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$743,479.24
Your down payment$743,479.24
Closing costs + prepaids$16,901.91
Total buyer cash needed$760,381.15
Remaining funds due$760,381.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,650.00
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)$1,912.50
Prepaid interest, first (28 days)$114.41
Fees + prepaids$16,901.91
Your down payment is the seller’s equity. You take over the $21,521 balance, so the rest of the $765,000 price is paid at closing. A second mortgage can cover part of it. $760,381.15 is due at closing. Uses and sources reconcile at $781,901.91 each. Not a Closing Disclosure.