Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$123,130Cash toward the purchase price.
Closing costs + prepaids$19,997Not just lender fees.
Before credits & paid funds$143,127The complete starting cash picture.
Estimated remaining funds due at closing
$143,127No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,130.32
Your down payment$123,130.32
Closing costs + prepaids$19,996.77
Total buyer cash needed$143,127.09
Remaining funds due$143,127.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,500.00
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)$1,875.00
Prepaid interest, first (29 days)$3,396.77
Fees + prepaids$19,996.77
Your down payment is the seller’s equity. You take over the $626,870 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $143,127.09 is due at closing. Uses and sources reconcile at $769,996.77 each. Not a Closing Disclosure.