Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$708,049Cash toward the purchase price.
Closing costs + prepaids$15,969Not just lender fees.
Before credits & paid funds$724,019The complete starting cash picture.
Estimated remaining funds due at closing
$724,019No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$708,049.35
Your down payment$708,049.35
Closing costs + prepaids$15,969.49
Total buyer cash needed$724,018.85
Remaining funds due$724,018.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,750.00
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)$930.00
Prepaid interest, first (12 days)$64.49
Fees + prepaids$15,969.49
Your down payment is the seller’s equity. You take over the $66,951 balance, so the rest of the $775,000 price is paid at closing. A second mortgage can cover part of it. $724,018.85 is due at closing. Uses and sources reconcile at $790,969.49 each. Not a Closing Disclosure.