Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$151,672Cash toward the purchase price.
Closing costs + prepaids$19,641Not just lender fees.
Before credits & paid funds$171,314The complete starting cash picture.
Estimated remaining funds due at closing
$171,314No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,672.41
Your down payment$151,672.41
Closing costs + prepaids$19,641.38
Total buyer cash needed$171,313.79
Remaining funds due$171,313.79
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
Initial HOA (3 months)$1,365.00
Prepaid interest, first (24 days)$1,688.88
Fees + prepaids$19,641.38
Your down payment is the seller’s equity. You take over the $597,328 balance, so the rest of the $749,000 price is paid at closing. A second mortgage can cover part of it. $171,313.79 is due at closing. Uses and sources reconcile at $768,641.38 each. Not a Closing Disclosure.