Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$472,448Cash toward the purchase price.
Closing costs + prepaids$17,443Not just lender fees.
Before credits & paid funds$489,891The complete starting cash picture.
Estimated remaining funds due at closing
$489,891No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$472,447.75
Your down payment$472,447.75
Closing costs + prepaids$17,442.78
Total buyer cash needed$489,890.54
Remaining funds due$489,890.54
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)$1,874.75
Initial HOA (3 months)$255.00
Prepaid interest, first (27 days)$589.03
Fees + prepaids$17,442.78
Your down payment is the seller’s equity. You take over the $277,452 balance, so the rest of the $749,900 price is paid at closing. A second mortgage can cover part of it. $489,890.54 is due at closing. Uses and sources reconcile at $767,342.78 each. Not a Closing Disclosure.