Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$295,114Cash toward the purchase price.
Closing costs + prepaids$18,287Not just lender fees.
Before credits & paid funds$313,401The complete starting cash picture.
Estimated remaining funds due at closing
$313,401No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$295,113.62
Your down payment$295,113.62
Closing costs + prepaids$18,287.02
Total buyer cash needed$313,400.64
Remaining funds due$313,400.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,600.00
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)$1,900.00
Prepaid interest, first (28 days)$1,562.02
Fees + prepaids$18,287.02
Your down payment is the seller’s equity. You take over the $464,886 balance, so the rest of the $760,000 price is paid at closing. A second mortgage can cover part of it. $313,400.64 is due at closing. Uses and sources reconcile at $778,287.02 each. Not a Closing Disclosure.