Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$441,536Cash toward the purchase price.
Closing costs + prepaids$17,516Not just lender fees.
Before credits & paid funds$459,052The complete starting cash picture.
Estimated remaining funds due at closing
$459,052No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$441,535.50
Your down payment$441,535.50
Closing costs + prepaids$17,516.10
Total buyer cash needed$459,051.60
Remaining funds due$459,051.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,485.00
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)$1,871.25
Prepaid interest, first (28 days)$934.85
Fees + prepaids$17,516.10
Your down payment is the seller’s equity. You take over the $306,964 balance, so the rest of the $748,500 price is paid at closing. A second mortgage can cover part of it. $459,051.60 is due at closing. Uses and sources reconcile at $766,016.10 each. Not a Closing Disclosure.