Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$509,550Cash toward the purchase price.
Closing costs + prepaids$17,228Not just lender fees.
Before credits & paid funds$526,778The complete starting cash picture.
Estimated remaining funds due at closing
$526,778No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$509,549.55
Your down payment$509,549.55
Closing costs + prepaids$17,228.31
Total buyer cash needed$526,777.86
Remaining funds due$526,777.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,250.00
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)$2,573.75
Prepaid interest, first (6 days)$179.56
Fees + prepaids$17,228.31
Your down payment is the seller’s equity. You take over the $215,450 balance, so the rest of the $725,000 price is paid at closing. A second mortgage can cover part of it. $526,777.86 is due at closing. Uses and sources reconcile at $742,228.31 each. Not a Closing Disclosure.