Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$214,433Cash toward the purchase price.
Closing costs + prepaids$15,798Not just lender fees.
Before credits & paid funds$230,231The complete starting cash picture.
Estimated remaining funds due at closing
$230,231No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$214,432.55
Your down payment$214,432.55
Closing costs + prepaids$15,797.96
Total buyer cash needed$230,230.51
Remaining funds due$230,230.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,190.00
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)$1,062.25
Initial HOA (3 months)$141.00
Prepaid interest, first (2 days)$179.71
Fees + prepaids$15,797.96
Your down payment is the seller’s equity. You take over the $504,567 balance, so the rest of the $719,000 price is paid at closing. A second mortgage can cover part of it. $230,230.51 is due at closing. Uses and sources reconcile at $734,797.96 each. Not a Closing Disclosure.