Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$158,358Cash toward the purchase price.
Closing costs + prepaids$17,973Not just lender fees.
Before credits & paid funds$176,331The complete starting cash picture.
Estimated remaining funds due at closing
$176,331No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,358.08
Your down payment$158,358.08
Closing costs + prepaids$17,972.78
Total buyer cash needed$176,330.86
Remaining funds due$176,330.86
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)$1,107.75
Initial HOA (3 months)$531.99
Prepaid interest, first (31 days)$1,908.04
Fees + prepaids$17,972.78
Your down payment is the seller’s equity. You take over the $561,642 balance, so the rest of the $720,000 price is paid at closing. A second mortgage can cover part of it. $176,330.86 is due at closing. Uses and sources reconcile at $737,972.78 each. Not a Closing Disclosure.