Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$381,639Cash toward the purchase price.
Closing costs + prepaids$17,496Not just lender fees.
Before credits & paid funds$399,135The complete starting cash picture.
Estimated remaining funds due at closing
$399,135No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$381,638.98
Your down payment$381,638.98
Closing costs + prepaids$17,495.66
Total buyer cash needed$399,134.64
Remaining funds due$399,134.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,499.00
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)$2,047.75
Prepaid interest, first (25 days)$723.91
Fees + prepaids$17,495.66
Your down payment is the seller’s equity. You take over the $368,261 balance, so the rest of the $749,900 price is paid at closing. A second mortgage can cover part of it. $399,134.64 is due at closing. Uses and sources reconcile at $767,395.66 each. Not a Closing Disclosure.