Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$495,507Cash toward the purchase price.
Closing costs + prepaids$16,880Not just lender fees.
Before credits & paid funds$512,387The complete starting cash picture.
Estimated remaining funds due at closing
$512,387No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$495,506.59
Your down payment$495,506.59
Closing costs + prepaids$16,880.34
Total buyer cash needed$512,386.92
Remaining funds due$512,386.92
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)$1,608.00
Prepaid interest, first (25 days)$547.34
Fees + prepaids$16,880.34
Your down payment is the seller’s equity. You take over the $254,493 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $512,386.92 is due at closing. Uses and sources reconcile at $766,880.34 each. Not a Closing Disclosure.