Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$733,886Cash toward the purchase price.
Closing costs + prepaids$17,021Not just lender fees.
Before credits & paid funds$750,907The complete starting cash picture.
Estimated remaining funds due at closing
$750,907No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$733,885.71
Your down payment$733,885.71
Closing costs + prepaids$17,021.34
Total buyer cash needed$750,907.05
Remaining funds due$750,907.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,549.90
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)$1,887.50
Initial HOA (3 months)$252.00
Prepaid interest, first (27 days)$106.94
Fees + prepaids$17,021.34
Your down payment is the seller’s equity. You take over the $21,104 balance, so the rest of the $754,990 price is paid at closing. A second mortgage can cover part of it. $750,907.05 is due at closing. Uses and sources reconcile at $772,011.34 each. Not a Closing Disclosure.