Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$168,478Cash toward the purchase price.
Closing costs + prepaids$19,336Not just lender fees.
Before credits & paid funds$187,814The complete starting cash picture.
Estimated remaining funds due at closing
$187,814No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,477.95
Your down payment$168,477.95
Closing costs + prepaids$19,335.67
Total buyer cash needed$187,813.62
Remaining funds due$187,813.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,510.00
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)$1,806.00
Initial HOA (3 months)$118.74
Prepaid interest, first (23 days)$2,675.93
Fees + prepaids$19,335.67
Your down payment is the seller’s equity. You take over the $582,522 balance, so the rest of the $751,000 price is paid at closing. A second mortgage can cover part of it. $187,813.62 is due at closing. Uses and sources reconcile at $770,335.67 each. Not a Closing Disclosure.