Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$539,255Cash toward the purchase price.
Closing costs + prepaids$16,556Not just lender fees.
Before credits & paid funds$555,810The complete starting cash picture.
Estimated remaining funds due at closing
$555,810No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$539,254.72
Your down payment$539,254.72
Closing costs + prepaids$16,555.55
Total buyer cash needed$555,810.27
Remaining funds due$555,810.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,500.00
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)$1,309.75
Prepaid interest, first (22 days)$520.80
Fees + prepaids$16,555.55
Your down payment is the seller’s equity. You take over the $210,745 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $555,810.27 is due at closing. Uses and sources reconcile at $766,555.55 each. Not a Closing Disclosure.