Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$58,388Cash toward the purchase price.
Closing costs + prepaids$16,459Not just lender fees.
Before credits & paid funds$74,847The complete starting cash picture.
Estimated remaining funds due at closing
$74,847No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,388.42
Your down payment$58,388.42
Closing costs + prepaids$16,458.70
Total buyer cash needed$74,847.11
Remaining funds due$74,847.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,250.00
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)$870.00
Initial HOA (3 months)$408.00
Prepaid interest, first (6 days)$705.70
Fees + prepaids$16,458.70
Your down payment is the seller’s equity. You take over the $666,612 balance, so the rest of the $725,000 price is paid at closing. A second mortgage can cover part of it. $74,847.11 is due at closing. Uses and sources reconcile at $741,458.70 each. Not a Closing Disclosure.