Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$542,248Cash toward the purchase price.
Closing costs + prepaids$17,660Not just lender fees.
Before credits & paid funds$559,908The complete starting cash picture.
Estimated remaining funds due at closing
$559,908No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$542,248.07
Your down payment$542,248.07
Closing costs + prepaids$17,659.65
Total buyer cash needed$559,907.72
Remaining funds due$559,907.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,499.00
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)$1,874.75
Prepaid interest, first (28 days)$1,060.90
Fees + prepaids$17,659.65
Your down payment is the seller’s equity. You take over the $207,652 balance, so the rest of the $749,900 price is paid at closing. A second mortgage can cover part of it. $559,907.72 is due at closing. Uses and sources reconcile at $767,559.65 each. Not a Closing Disclosure.