Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$501,137Cash toward the purchase price.
Closing costs + prepaids$15,845Not just lender fees.
Before credits & paid funds$516,982The complete starting cash picture.
Estimated remaining funds due at closing
$516,982No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$501,136.87
Your down payment$501,136.87
Closing costs + prepaids$15,844.69
Total buyer cash needed$516,981.55
Remaining funds due$516,981.55
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)$912.50
Prepaid interest, first (17 days)$407.19
Fees + prepaids$15,844.69
Your down payment is the seller’s equity. You take over the $228,863 balance, so the rest of the $730,000 price is paid at closing. A second mortgage can cover part of it. $516,981.55 is due at closing. Uses and sources reconcile at $745,844.69 each. Not a Closing Disclosure.