Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$246,188Cash toward the purchase price.
Closing costs + prepaids$17,810Not just lender fees.
Before credits & paid funds$263,999The complete starting cash picture.
Estimated remaining funds due at closing
$263,999No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$246,188.32
Your down payment$246,188.32
Closing costs + prepaids$17,810.47
Total buyer cash needed$263,998.79
Remaining funds due$263,998.79
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 (24 days)$2,255.97
Fees + prepaids$17,810.47
Your down payment is the seller’s equity. You take over the $503,812 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $263,998.79 is due at closing. Uses and sources reconcile at $767,810.47 each. Not a Closing Disclosure.