Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$183,753Cash toward the purchase price.
Closing costs + prepaids$17,587Not just lender fees.
Before credits & paid funds$201,340The complete starting cash picture.
Estimated remaining funds due at closing
$201,340No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,752.75
Your down payment$183,752.75
Closing costs + prepaids$17,586.88
Total buyer cash needed$201,339.63
Remaining funds due$201,339.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,350.00
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)$1,837.50
Prepaid interest, first (27 days)$1,174.38
Fees + prepaids$17,586.88
Your down payment is the seller’s equity. You take over the $551,247 balance, so the rest of the $735,000 price is paid at closing. A second mortgage can cover part of it. $201,339.63 is due at closing. Uses and sources reconcile at $752,586.88 each. Not a Closing Disclosure.