Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$692,310Cash toward the purchase price.
Closing costs + prepaids$15,528Not just lender fees.
Before credits & paid funds$707,838The complete starting cash picture.
Estimated remaining funds due at closing
$707,838No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$692,310.37
Your down payment$692,310.37
Closing costs + prepaids$15,527.98
Total buyer cash needed$707,838.35
Remaining funds due$707,838.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,350.00
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)$882.00
Initial HOA (3 months)$30.00
Prepaid interest, first (6 days)$40.98
Fees + prepaids$15,527.98
Your down payment is the seller’s equity. You take over the $42,690 balance, so the rest of the $735,000 price is paid at closing. A second mortgage can cover part of it. $707,838.35 is due at closing. Uses and sources reconcile at $750,527.98 each. Not a Closing Disclosure.