Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$424,946Cash toward the purchase price.
Closing costs + prepaids$17,062Not just lender fees.
Before credits & paid funds$442,008The complete starting cash picture.
Estimated remaining funds due at closing
$442,008No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$424,946.42
Your down payment$424,946.42
Closing costs + prepaids$17,062.06
Total buyer cash needed$442,008.48
Remaining funds due$442,008.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,290.00
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)$2,496.75
Prepaid interest, first (2 days)$50.31
Fees + prepaids$17,062.06
Your down payment is the seller’s equity. You take over the $304,054 balance, so the rest of the $729,000 price is paid at closing. A second mortgage can cover part of it. $442,008.48 is due at closing. Uses and sources reconcile at $746,062.06 each. Not a Closing Disclosure.