Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$544,320Cash toward the purchase price.
Closing costs + prepaids$15,861Not just lender fees.
Before credits & paid funds$560,180The complete starting cash picture.
Estimated remaining funds due at closing
$560,180No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$544,319.52
Your down payment$544,319.52
Closing costs + prepaids$15,860.54
Total buyer cash needed$560,180.06
Remaining funds due$560,180.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,399.00
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)$925.00
Prepaid interest, first (17 days)$311.54
Fees + prepaids$15,860.54
Your down payment is the seller’s equity. You take over the $195,580 balance, so the rest of the $739,900 price is paid at closing. A second mortgage can cover part of it. $560,180.06 is due at closing. Uses and sources reconcile at $755,760.54 each. Not a Closing Disclosure.