Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$469,997Cash toward the purchase price.
Closing costs + prepaids$17,357Not just lender fees.
Before credits & paid funds$487,355The complete starting cash picture.
Estimated remaining funds due at closing
$487,355No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$469,997.31
Your down payment$469,997.31
Closing costs + prepaids$17,357.32
Total buyer cash needed$487,354.63
Remaining funds due$487,354.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,490.00
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)$1,872.50
Prepaid interest, first (27 days)$769.82
Fees + prepaids$17,357.32
Your down payment is the seller’s equity. You take over the $279,003 balance, so the rest of the $749,000 price is paid at closing. A second mortgage can cover part of it. $487,354.63 is due at closing. Uses and sources reconcile at $766,357.32 each. Not a Closing Disclosure.