Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$156,220Cash toward the purchase price.
Closing costs + prepaids$19,347Not just lender fees.
Before credits & paid funds$175,566The complete starting cash picture.
Estimated remaining funds due at closing
$175,566No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,219.51
Your down payment$156,219.51
Closing costs + prepaids$19,346.68
Total buyer cash needed$175,566.19
Remaining funds due$175,566.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,449.00
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)$1,862.25
Initial HOA (3 months)$996.00
Prepaid interest, first (25 days)$1,814.43
Fees + prepaids$19,346.68
Your down payment is the seller’s equity. You take over the $588,680 balance, so the rest of the $744,900 price is paid at closing. A second mortgage can cover part of it. $175,566.19 is due at closing. Uses and sources reconcile at $764,246.68 each. Not a Closing Disclosure.