Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$659,204Cash toward the purchase price.
Closing costs + prepaids$15,636Not just lender fees.
Before credits & paid funds$674,840The complete starting cash picture.
Estimated remaining funds due at closing
$674,840No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$659,204.44
Your down payment$659,204.44
Closing costs + prepaids$15,635.51
Total buyer cash needed$674,839.94
Remaining funds due$674,839.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,320.00
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)$915.00
Prepaid interest, first (16 days)$175.51
Fees + prepaids$15,635.51
Your down payment is the seller’s equity. You take over the $72,796 balance, so the rest of the $732,000 price is paid at closing. A second mortgage can cover part of it. $674,839.94 is due at closing. Uses and sources reconcile at $747,635.51 each. Not a Closing Disclosure.