Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$154,225Cash toward the purchase price.
Closing costs + prepaids$19,456Not just lender fees.
Before credits & paid funds$173,681The complete starting cash picture.
Estimated remaining funds due at closing
$173,681No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,225.37
Your down payment$154,225.37
Closing costs + prepaids$19,456.11
Total buyer cash needed$173,681.49
Remaining funds due$173,681.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,499.99
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
Prepaid interest, first (26 days)$2,856.12
Fees + prepaids$19,456.11
Your down payment is the seller’s equity. You take over the $595,774 balance, so the rest of the $749,999 price is paid at closing. A second mortgage can cover part of it. $173,681.49 is due at closing. Uses and sources reconcile at $769,455.11 each. Not a Closing Disclosure.