Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$512,932Cash toward the purchase price.
Closing costs + prepaids$15,754Not just lender fees.
Before credits & paid funds$528,686The complete starting cash picture.
Estimated remaining funds due at closing
$528,686No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$512,931.62
Your down payment$512,931.62
Closing costs + prepaids$15,754.01
Total buyer cash needed$528,685.63
Remaining funds due$528,685.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,259.00
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)$1,228.00
Prepaid interest, first (2 days)$42.01
Fees + prepaids$15,754.01
Your down payment is the seller’s equity. You take over the $212,968 balance, so the rest of the $725,900 price is paid at closing. A second mortgage can cover part of it. $528,685.63 is due at closing. Uses and sources reconcile at $741,654.01 each. Not a Closing Disclosure.