Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$673,726Cash toward the purchase price.
Closing costs + prepaids$15,653Not just lender fees.
Before credits & paid funds$689,379The complete starting cash picture.
Estimated remaining funds due at closing
$689,379No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$673,725.87
Your down payment$673,725.87
Closing costs + prepaids$15,652.89
Total buyer cash needed$689,378.77
Remaining funds due$689,378.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,490.00
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)$897.25
Initial HOA (3 months)$8.76
Prepaid interest, first (2 days)$31.88
Fees + prepaids$15,652.89
Your down payment is the seller’s equity. You take over the $75,274 balance, so the rest of the $749,000 price is paid at closing. A second mortgage can cover part of it. $689,378.77 is due at closing. Uses and sources reconcile at $764,652.89 each. Not a Closing Disclosure.