Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$313,387Cash toward the purchase price.
Closing costs + prepaids$18,464Not just lender fees.
Before credits & paid funds$331,851The complete starting cash picture.
Estimated remaining funds due at closing
$331,851No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$313,387.11
Your down payment$313,387.11
Closing costs + prepaids$18,463.54
Total buyer cash needed$331,850.65
Remaining funds due$331,850.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,399.99
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)$1,850.00
Initial HOA (3 months)$1,086.00
Prepaid interest, first (26 days)$902.55
Fees + prepaids$18,463.54
Your down payment is the seller’s equity. You take over the $426,612 balance, so the rest of the $739,999 price is paid at closing. A second mortgage can cover part of it. $331,850.65 is due at closing. Uses and sources reconcile at $758,462.54 each. Not a Closing Disclosure.