Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$243,818Cash toward the purchase price.
Closing costs + prepaids$17,545Not just lender fees.
Before credits & paid funds$261,362The complete starting cash picture.
Estimated remaining funds due at closing
$261,362No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$243,817.60
Your down payment$243,817.60
Closing costs + prepaids$17,544.78
Total buyer cash needed$261,362.38
Remaining funds due$261,362.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,380.00
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)$1,845.00
Prepaid interest, first (26 days)$1,094.78
Fees + prepaids$17,544.78
Your down payment is the seller’s equity. You take over the $494,182 balance, so the rest of the $738,000 price is paid at closing. A second mortgage can cover part of it. $261,362.38 is due at closing. Uses and sources reconcile at $755,544.78 each. Not a Closing Disclosure.