Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$349,673Cash toward the purchase price.
Closing costs + prepaids$17,121Not just lender fees.
Before credits & paid funds$366,794The complete starting cash picture.
Estimated remaining funds due at closing
$366,794No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$349,672.66
Your down payment$349,672.66
Closing costs + prepaids$17,121.44
Total buyer cash needed$366,794.10
Remaining funds due$366,794.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,499.00
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)$1,266.50
Prepaid interest, first (27 days)$1,130.94
Fees + prepaids$17,121.44
Your down payment is the seller’s equity. You take over the $400,227 balance, so the rest of the $749,900 price is paid at closing. A second mortgage can cover part of it. $366,794.10 is due at closing. Uses and sources reconcile at $767,021.44 each. Not a Closing Disclosure.