Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$169,456Cash toward the purchase price.
Closing costs + prepaids$19,206Not just lender fees.
Before credits & paid funds$188,662The complete starting cash picture.
Estimated remaining funds due at closing
$188,662No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$169,456.38
Your down payment$169,456.38
Closing costs + prepaids$19,205.78
Total buyer cash needed$188,662.15
Remaining funds due$188,662.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,300.00
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)$1,825.00
Initial HOA (3 months)$390.00
Prepaid interest, first (24 days)$2,465.78
Fees + prepaids$19,205.78
Your down payment is the seller’s equity. You take over the $560,544 balance, so the rest of the $730,000 price is paid at closing. A second mortgage can cover part of it. $188,662.15 is due at closing. Uses and sources reconcile at $749,205.78 each. Not a Closing Disclosure.