Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$696,186Cash toward the purchase price.
Closing costs + prepaids$23,147Not just lender fees.
Before credits & paid funds$719,333The complete starting cash picture.
Estimated remaining funds due at closing
$719,333No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$696,186.03
Your down payment$696,186.03
Closing costs + prepaids$23,147.28
Total buyer cash needed$719,333.31
Remaining funds due$719,333.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$12,499.95
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)$3,125.00
Initial HOA (3 months)$255.00
Prepaid interest, first (1 days)$42.33
Fees + prepaids$23,147.28
Your down payment is the seller’s equity. You take over the $553,809 balance, so the rest of the $1,249,995 price is paid at closing. A second mortgage can cover part of it. $719,333.31 is due at closing. Uses and sources reconcile at $1,273,142.28 each. Not a Closing Disclosure.