Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$127,450Cash toward the purchase price.
Closing costs + prepaids$17,682Not just lender fees.
Before credits & paid funds$145,132The complete starting cash picture.
Estimated remaining funds due at closing
$145,132No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,450.06
Your down payment$127,450.06
Closing costs + prepaids$17,682.20
Total buyer cash needed$145,132.27
Remaining funds due$145,132.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,240.00
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)$1,810.00
Prepaid interest, first (30 days)$1,407.20
Fees + prepaids$17,682.20
Your down payment is the seller’s equity. You take over the $596,550 balance, so the rest of the $724,000 price is paid at closing. A second mortgage can cover part of it. $145,132.27 is due at closing. Uses and sources reconcile at $741,682.20 each. Not a Closing Disclosure.