Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$233,447Cash toward the purchase price.
Closing costs + prepaids$17,984Not just lender fees.
Before credits & paid funds$251,430The complete starting cash picture.
Estimated remaining funds due at closing
$251,430No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$233,446.60
Your down payment$233,446.60
Closing costs + prepaids$17,983.70
Total buyer cash needed$251,430.30
Remaining funds due$251,430.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,290.00
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)$1,822.50
Initial HOA (3 months)$750.00
Prepaid interest, first (23 days)$896.20
Fees + prepaids$17,983.70
Your down payment is the seller’s equity. You take over the $495,553 balance, so the rest of the $729,000 price is paid at closing. A second mortgage can cover part of it. $251,430.30 is due at closing. Uses and sources reconcile at $746,983.70 each. Not a Closing Disclosure.