Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$181,843Cash toward the purchase price.
Closing costs + prepaids$18,080Not just lender fees.
Before credits & paid funds$199,923The complete starting cash picture.
Estimated remaining funds due at closing
$199,923No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,842.64
Your down payment$181,842.64
Closing costs + prepaids$18,080.40
Total buyer cash needed$199,923.04
Remaining funds due$199,923.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,499.99
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
Initial HOA (3 months)$270.00
Prepaid interest, first (27 days)$1,210.41
Fees + prepaids$18,080.40
Your down payment is the seller’s equity. You take over the $568,156 balance, so the rest of the $749,999 price is paid at closing. A second mortgage can cover part of it. $199,923.04 is due at closing. Uses and sources reconcile at $768,079.40 each. Not a Closing Disclosure.