Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$508,858Cash toward the purchase price.
Closing costs + prepaids$16,948Not just lender fees.
Before credits & paid funds$525,806The complete starting cash picture.
Estimated remaining funds due at closing
$525,806No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$508,857.93
Your down payment$508,857.93
Closing costs + prepaids$16,948.35
Total buyer cash needed$525,806.28
Remaining funds due$525,806.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,249.99
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)$1,812.50
Prepaid interest, first (30 days)$660.86
Fees + prepaids$16,948.35
Your down payment is the seller’s equity. You take over the $216,141 balance, so the rest of the $724,999 price is paid at closing. A second mortgage can cover part of it. $525,806.28 is due at closing. Uses and sources reconcile at $741,947.35 each. Not a Closing Disclosure.