Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$431,030Cash toward the purchase price.
Closing costs + prepaids$17,254Not just lender fees.
Before credits & paid funds$448,284The complete starting cash picture.
Estimated remaining funds due at closing
$448,284No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$431,029.57
Your down payment$431,029.57
Closing costs + prepaids$17,254.37
Total buyer cash needed$448,283.94
Remaining funds due$448,283.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,500.00
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)$1,875.00
Prepaid interest, first (26 days)$654.37
Fees + prepaids$17,254.37
Your down payment is the seller’s equity. You take over the $318,970 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $448,283.94 is due at closing. Uses and sources reconcile at $767,254.37 each. Not a Closing Disclosure.