Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$295,503Cash toward the purchase price.
Closing costs + prepaids$17,939Not just lender fees.
Before credits & paid funds$313,442The complete starting cash picture.
Estimated remaining funds due at closing
$313,442No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$295,503.07
Your down payment$295,503.07
Closing costs + prepaids$17,938.74
Total buyer cash needed$313,441.82
Remaining funds due$313,441.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,615.00
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)$1,903.75
Prepaid interest, first (26 days)$1,194.99
Fees + prepaids$17,938.74
Your down payment is the seller’s equity. You take over the $465,997 balance, so the rest of the $761,500 price is paid at closing. A second mortgage can cover part of it. $313,441.82 is due at closing. Uses and sources reconcile at $779,438.74 each. Not a Closing Disclosure.