Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$118,732Cash toward the purchase price.
Closing costs + prepaids$19,335Not just lender fees.
Before credits & paid funds$138,067The complete starting cash picture.
Estimated remaining funds due at closing
$138,067No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,731.82
Your down payment$118,731.82
Closing costs + prepaids$19,335.12
Total buyer cash needed$138,066.94
Remaining funds due$138,066.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,490.00
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)$1,872.50
Prepaid interest, first (26 days)$2,747.62
Fees + prepaids$19,335.12
Your down payment is the seller’s equity. You take over the $630,268 balance, so the rest of the $749,000 price is paid at closing. A second mortgage can cover part of it. $138,066.94 is due at closing. Uses and sources reconcile at $768,335.12 each. Not a Closing Disclosure.