Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$730,415Cash toward the purchase price.
Closing costs + prepaids$16,816Not just lender fees.
Before credits & paid funds$747,231The complete starting cash picture.
Estimated remaining funds due at closing
$747,231No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$730,415.26
Your down payment$730,415.26
Closing costs + prepaids$16,815.56
Total buyer cash needed$747,230.82
Remaining funds due$747,230.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,499.99
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)$1,020.00
Prepaid interest, first (6 days)$70.57
Fees + prepaids$16,815.56
Your down payment is the seller’s equity. You take over the $119,584 balance, so the rest of the $849,999 price is paid at closing. A second mortgage can cover part of it. $747,230.82 is due at closing. Uses and sources reconcile at $866,814.56 each. Not a Closing Disclosure.