Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$386,106Cash toward the purchase price.
Closing costs + prepaids$16,583Not just lender fees.
Before credits & paid funds$402,689The complete starting cash picture.
Estimated remaining funds due at closing
$402,689No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$386,105.76
Your down payment$386,105.76
Closing costs + prepaids$16,583.13
Total buyer cash needed$402,688.89
Remaining funds due$402,688.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,499.99
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)$125.00
Initial HOA (3 months)$791.01
Prepaid interest, first (27 days)$942.13
Fees + prepaids$16,583.13
Your down payment is the seller’s equity. You take over the $363,893 balance, so the rest of the $749,999 price is paid at closing. A second mortgage can cover part of it. $402,688.89 is due at closing. Uses and sources reconcile at $766,582.13 each. Not a Closing Disclosure.