Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$719,510Cash toward the purchase price.
Closing costs + prepaids$19,477Not just lender fees.
Before credits & paid funds$738,987The complete starting cash picture.
Estimated remaining funds due at closing
$738,987No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$719,509.91
Your down payment$719,509.91
Closing costs + prepaids$19,477.06
Total buyer cash needed$738,986.97
Remaining funds due$738,986.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$10,250.00
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)$693.50
Initial HOA (3 months)$525.00
Prepaid interest, first (31 days)$783.56
Fees + prepaids$19,477.06
Your down payment is the seller’s equity. You take over the $305,490 balance, so the rest of the $1,025,000 price is paid at closing. A second mortgage can cover part of it. $738,986.97 is due at closing. Uses and sources reconcile at $1,044,477.06 each. Not a Closing Disclosure.