Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$729,046Cash toward the purchase price.
Closing costs + prepaids$16,354Not just lender fees.
Before credits & paid funds$745,400The complete starting cash picture.
Estimated remaining funds due at closing
$745,400No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$729,046.35
Your down payment$729,046.35
Closing costs + prepaids$16,353.84
Total buyer cash needed$745,400.19
Remaining funds due$745,400.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,300.00
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)$1,825.00
Prepaid interest, first (18 days)$3.84
Fees + prepaids$16,353.84
Your down payment is the seller’s equity. You take over the $954 balance, so the rest of the $730,000 price is paid at closing. A second mortgage can cover part of it. $745,400.19 is due at closing. Uses and sources reconcile at $746,353.84 each. Not a Closing Disclosure.