Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$316,474Cash toward the purchase price.
Closing costs + prepaids$16,395Not just lender fees.
Before credits & paid funds$332,868The complete starting cash picture.
Estimated remaining funds due at closing
$332,868No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$316,473.82
Your down payment$316,473.82
Closing costs + prepaids$16,394.64
Total buyer cash needed$332,868.46
Remaining funds due$332,868.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,300.00
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)$1,825.00
Prepaid interest, first (1 days)$44.64
Fees + prepaids$16,394.64
Your down payment is the seller’s equity. You take over the $413,526 balance, so the rest of the $730,000 price is paid at closing. A second mortgage can cover part of it. $332,868.46 is due at closing. Uses and sources reconcile at $746,394.64 each. Not a Closing Disclosure.