Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$704,091Cash toward the purchase price.
Closing costs + prepaids$16,563Not just lender fees.
Before credits & paid funds$720,654The complete starting cash picture.
Estimated remaining funds due at closing
$720,654No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$704,091.42
Your down payment$704,091.42
Closing costs + prepaids$16,562.79
Total buyer cash needed$720,654.21
Remaining funds due$720,654.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,250.00
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)$990.00
Prepaid interest, first (6 days)$97.79
Fees + prepaids$16,562.79
Your down payment is the seller’s equity. You take over the $120,909 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $720,654.21 is due at closing. Uses and sources reconcile at $841,562.79 each. Not a Closing Disclosure.