Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$261,859Cash toward the purchase price.
Closing costs + prepaids$17,650Not just lender fees.
Before credits & paid funds$279,509The complete starting cash picture.
Estimated remaining funds due at closing
$279,509No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$261,859.27
Your down payment$261,859.27
Closing costs + prepaids$17,650.20
Total buyer cash needed$279,509.47
Remaining funds due$279,509.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,429.00
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)$1,857.25
Prepaid interest, first (29 days)$1,138.95
Fees + prepaids$17,650.20
Your down payment is the seller’s equity. You take over the $481,041 balance, so the rest of the $742,900 price is paid at closing. A second mortgage can cover part of it. $279,509.47 is due at closing. Uses and sources reconcile at $760,550.20 each. Not a Closing Disclosure.