Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$254,544Cash toward the purchase price.
Closing costs + prepaids$19,246Not just lender fees.
Before credits & paid funds$273,790The complete starting cash picture.
Estimated remaining funds due at closing
$273,790No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$254,544.29
Your down payment$254,544.29
Closing costs + prepaids$19,246.16
Total buyer cash needed$273,790.45
Remaining funds due$273,790.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,499.90
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)$1,920.25
Initial HOA (3 months)$324.00
Prepaid interest, first (25 days)$2,277.01
Fees + prepaids$19,246.16
Your down payment is the seller’s equity. You take over the $495,446 balance, so the rest of the $749,990 price is paid at closing. A second mortgage can cover part of it. $273,790.45 is due at closing. Uses and sources reconcile at $769,236.16 each. Not a Closing Disclosure.