Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$209,304Cash toward the purchase price.
Closing costs + prepaids$19,421Not just lender fees.
Before credits & paid funds$228,725The complete starting cash picture.
Estimated remaining funds due at closing
$228,725No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$209,304.11
Your down payment$209,304.11
Closing costs + prepaids$19,420.72
Total buyer cash needed$228,724.83
Remaining funds due$228,724.83
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)$1,875.00
Initial HOA (3 months)$375.00
Prepaid interest, first (26 days)$2,445.72
Fees + prepaids$19,420.72
Your down payment is the seller’s equity. You take over the $540,696 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $228,724.83 is due at closing. Uses and sources reconcile at $769,420.72 each. Not a Closing Disclosure.