Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$271,921Cash toward the purchase price.
Closing costs + prepaids$17,365Not just lender fees.
Before credits & paid funds$289,286The complete starting cash picture.
Estimated remaining funds due at closing
$289,286No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$271,921.29
Your down payment$271,921.29
Closing costs + prepaids$17,364.79
Total buyer cash needed$289,286.08
Remaining funds due$289,286.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,090.00
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)$1,772.50
Initial HOA (3 months)$372.00
Prepaid interest, first (18 days)$905.29
Fees + prepaids$17,364.79
Your down payment is the seller’s equity. You take over the $437,079 balance, so the rest of the $709,000 price is paid at closing. A second mortgage can cover part of it. $289,286.08 is due at closing. Uses and sources reconcile at $726,364.79 each. Not a Closing Disclosure.