Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$386,839Cash toward the purchase price.
Closing costs + prepaids$17,166Not just lender fees.
Before credits & paid funds$404,005The complete starting cash picture.
Estimated remaining funds due at closing
$404,005No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$386,838.77
Your down payment$386,838.77
Closing costs + prepaids$17,166.06
Total buyer cash needed$404,004.83
Remaining funds due$404,004.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,200.00
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)$2,403.00
Initial HOA (3 months)$300.00
Prepaid interest, first (1 days)$38.06
Fees + prepaids$17,166.06
Your down payment is the seller’s equity. You take over the $333,161 balance, so the rest of the $720,000 price is paid at closing. A second mortgage can cover part of it. $404,004.83 is due at closing. Uses and sources reconcile at $737,166.06 each. Not a Closing Disclosure.