Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$211,434Cash toward the purchase price.
Closing costs + prepaids$19,430Not just lender fees.
Before credits & paid funds$230,864The complete starting cash picture.
Estimated remaining funds due at closing
$230,864No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$211,434.02
Your down payment$211,434.02
Closing costs + prepaids$19,429.80
Total buyer cash needed$230,863.81
Remaining funds due$230,863.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,499.00
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)$2,025.25
Initial HOA (3 months)$180.00
Prepaid interest, first (25 days)$2,500.55
Fees + prepaids$19,429.80
Your down payment is the seller’s equity. You take over the $538,466 balance, so the rest of the $749,900 price is paid at closing. A second mortgage can cover part of it. $230,863.81 is due at closing. Uses and sources reconcile at $769,329.80 each. Not a Closing Disclosure.