Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$753,583Cash toward the purchase price.
Closing costs + prepaids$16,526Not just lender fees.
Before credits & paid funds$770,109The complete starting cash picture.
Estimated remaining funds due at closing
$770,109No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$753,583.26
Your down payment$753,583.26
Closing costs + prepaids$16,525.89
Total buyer cash needed$770,109.15
Remaining funds due$770,109.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,650.00
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)$1,602.75
Prepaid interest, first (27 days)$48.14
Fees + prepaids$16,525.89
Your down payment is the seller’s equity. You take over the $11,417 balance, so the rest of the $765,000 price is paid at closing. A second mortgage can cover part of it. $770,109.15 is due at closing. Uses and sources reconcile at $781,525.89 each. Not a Closing Disclosure.