Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$158,335Cash toward the purchase price.
Closing costs + prepaids$19,524Not just lender fees.
Before credits & paid funds$177,858The complete starting cash picture.
Estimated remaining funds due at closing
$177,858No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,334.67
Your down payment$158,334.67
Closing costs + prepaids$19,523.68
Total buyer cash needed$177,858.35
Remaining funds due$177,858.35
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)$1,872.50
Initial HOA (3 months)$435.00
Prepaid interest, first (23 days)$2,501.18
Fees + prepaids$19,523.68
Your down payment is the seller’s equity. You take over the $590,665 balance, so the rest of the $749,000 price is paid at closing. A second mortgage can cover part of it. $177,858.35 is due at closing. Uses and sources reconcile at $768,523.68 each. Not a Closing Disclosure.