Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$56,148Cash toward the purchase price.
Closing costs + prepaids$16,786Not just lender fees.
Before credits & paid funds$72,934The complete starting cash picture.
Estimated remaining funds due at closing
$72,934No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,148.03
Your down payment$56,148.03
Closing costs + prepaids$16,786.37
Total buyer cash needed$72,934.40
Remaining funds due$72,934.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,180.00
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)$1,795.00
Initial HOA (3 months)$351.00
Prepaid interest, first (2 days)$235.37
Fees + prepaids$16,786.37
Your down payment is the seller’s equity. You take over the $661,852 balance, so the rest of the $718,000 price is paid at closing. A second mortgage can cover part of it. $72,934.40 is due at closing. Uses and sources reconcile at $734,786.37 each. Not a Closing Disclosure.