Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$341,817Cash toward the purchase price.
Closing costs + prepaids$18,604Not just lender fees.
Before credits & paid funds$360,421The complete starting cash picture.
Estimated remaining funds due at closing
$360,421No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$341,817.41
Your down payment$341,817.41
Closing costs + prepaids$18,603.69
Total buyer cash needed$360,421.10
Remaining funds due$360,421.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,499.88
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
Initial HOA (3 months)$1,149.00
Prepaid interest, first (28 days)$854.81
Fees + prepaids$18,603.69
Your down payment is the seller’s equity. You take over the $408,171 balance, so the rest of the $749,988 price is paid at closing. A second mortgage can cover part of it. $360,421.10 is due at closing. Uses and sources reconcile at $768,591.69 each. Not a Closing Disclosure.