Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$729,948Cash toward the purchase price.
Closing costs + prepaids$16,806Not just lender fees.
Before credits & paid funds$746,754The complete starting cash picture.
Estimated remaining funds due at closing
$746,754No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$729,948.37
Your down payment$729,948.37
Closing costs + prepaids$16,805.86
Total buyer cash needed$746,754.23
Remaining funds due$746,754.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,499.99
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)$1,057.25
Prepaid interest, first (2 days)$23.62
Fees + prepaids$16,805.86
Your down payment is the seller’s equity. You take over the $120,051 balance, so the rest of the $849,999 price is paid at closing. A second mortgage can cover part of it. $746,754.23 is due at closing. Uses and sources reconcile at $866,804.86 each. Not a Closing Disclosure.