Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$246,741Cash toward the purchase price.
Closing costs + prepaids$17,628Not just lender fees.
Before credits & paid funds$264,369The complete starting cash picture.
Estimated remaining funds due at closing
$264,369No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$246,740.85
Your down payment$246,740.85
Closing costs + prepaids$17,628.48
Total buyer cash needed$264,369.33
Remaining funds due$264,369.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,500.00
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)$829.50
Prepaid interest, first (23 days)$2,073.98
Fees + prepaids$17,628.48
Your down payment is the seller’s equity. You take over the $503,259 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $264,369.33 is due at closing. Uses and sources reconcile at $767,628.48 each. Not a Closing Disclosure.