Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$742,509Cash toward the purchase price.
Closing costs + prepaids$21,373Not just lender fees.
Before credits & paid funds$763,882The complete starting cash picture.
Estimated remaining funds due at closing
$763,882No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$742,509.19
Your down payment$742,509.19
Closing costs + prepaids$21,372.58
Total buyer cash needed$763,881.77
Remaining funds due$763,881.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,888.88
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)$2,472.25
Initial HOA (3 months)$930.00
Prepaid interest, first (26 days)$856.45
Fees + prepaids$21,372.58
Your down payment is the seller’s equity. You take over the $246,379 balance, so the rest of the $988,888 price is paid at closing. A second mortgage can cover part of it. $763,881.77 is due at closing. Uses and sources reconcile at $1,010,260.58 each. Not a Closing Disclosure.