Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$246,868Cash toward the purchase price.
Closing costs + prepaids$21,989Not just lender fees.
Before credits & paid funds$268,857The complete starting cash picture.
Estimated remaining funds due at closing
$268,857No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$246,868.19
Your down payment$246,868.19
Closing costs + prepaids$21,988.50
Total buyer cash needed$268,856.70
Remaining funds due$268,856.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,299.00
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)$1,824.75
Initial HOA (3 months)$4,650.00
Prepaid interest, first (27 days)$989.75
Fees + prepaids$21,988.50
Your down payment is the seller’s equity. You take over the $483,032 balance, so the rest of the $729,900 price is paid at closing. A second mortgage can cover part of it. $268,856.70 is due at closing. Uses and sources reconcile at $751,888.50 each. Not a Closing Disclosure.