Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$200,221Cash toward the purchase price.
Closing costs + prepaids$20,729Not just lender fees.
Before credits & paid funds$220,949The complete starting cash picture.
Estimated remaining funds due at closing
$220,949No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$200,220.56
Your down payment$200,220.56
Closing costs + prepaids$20,728.76
Total buyer cash needed$220,949.31
Remaining funds due$220,949.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,600.00
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)$1,900.00
Initial HOA (3 months)$1,380.00
Prepaid interest, first (28 days)$2,623.76
Fees + prepaids$20,728.76
Your down payment is the seller’s equity. You take over the $559,779 balance, so the rest of the $760,000 price is paid at closing. A second mortgage can cover part of it. $220,949.31 is due at closing. Uses and sources reconcile at $780,728.76 each. Not a Closing Disclosure.