Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$677,811Cash toward the purchase price.
Closing costs + prepaids$17,021Not just lender fees.
Before credits & paid funds$694,831The complete starting cash picture.
Estimated remaining funds due at closing
$694,831No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$677,810.65
Your down payment$677,810.65
Closing costs + prepaids$17,020.60
Total buyer cash needed$694,831.25
Remaining funds due$694,831.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,500.00
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)$1,875.00
Prepaid interest, first (31 days)$420.60
Fees + prepaids$17,020.60
Your down payment is the seller’s equity. You take over the $72,189 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $694,831.25 is due at closing. Uses and sources reconcile at $767,020.60 each. Not a Closing Disclosure.