Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$266,524Cash toward the purchase price.
Closing costs + prepaids$16,884Not just lender fees.
Before credits & paid funds$283,408The complete starting cash picture.
Estimated remaining funds due at closing
$283,408No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$266,523.99
Your down payment$266,523.99
Closing costs + prepaids$16,883.73
Total buyer cash needed$283,407.72
Remaining funds due$283,407.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,499.00
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)$740.50
Initial HOA (3 months)$24.99
Prepaid interest, first (28 days)$1,394.24
Fees + prepaids$16,883.73
Your down payment is the seller’s equity. You take over the $483,376 balance, so the rest of the $749,900 price is paid at closing. A second mortgage can cover part of it. $283,407.72 is due at closing. Uses and sources reconcile at $766,783.73 each. Not a Closing Disclosure.