Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$248,963Cash toward the purchase price.
Closing costs + prepaids$19,336Not just lender fees.
Before credits & paid funds$268,299The complete starting cash picture.
Estimated remaining funds due at closing
$268,299No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$248,962.87
Your down payment$248,962.87
Closing costs + prepaids$19,336.02
Total buyer cash needed$268,298.89
Remaining funds due$268,298.89
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
Initial HOA (3 months)$64.74
Prepaid interest, first (28 days)$2,671.28
Fees + prepaids$19,336.02
Your down payment is the seller’s equity. You take over the $501,037 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $268,298.89 is due at closing. Uses and sources reconcile at $769,336.02 each. Not a Closing Disclosure.