Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$178,239Cash toward the purchase price.
Closing costs + prepaids$18,028Not just lender fees.
Before credits & paid funds$196,267The complete starting cash picture.
Estimated remaining funds due at closing
$196,267No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,239.11
Your down payment$178,239.11
Closing costs + prepaids$18,027.87
Total buyer cash needed$196,266.97
Remaining funds due$196,266.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,490.00
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)$420.75
Prepaid interest, first (27 days)$2,892.12
Fees + prepaids$18,027.87
Your down payment is the seller’s equity. You take over the $570,761 balance, so the rest of the $749,000 price is paid at closing. A second mortgage can cover part of it. $196,266.97 is due at closing. Uses and sources reconcile at $767,027.87 each. Not a Closing Disclosure.