Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$456,918Cash toward the purchase price.
Closing costs + prepaids$18,589Not just lender fees.
Before credits & paid funds$475,508The complete starting cash picture.
Estimated remaining funds due at closing
$475,508No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$456,918.30
Your down payment$456,918.30
Closing costs + prepaids$18,589.29
Total buyer cash needed$475,507.59
Remaining funds due$475,507.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,490.00
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)$2,473.50
Initial HOA (3 months)$729.00
Prepaid interest, first (23 days)$671.79
Fees + prepaids$18,589.29
Your down payment is the seller’s equity. You take over the $292,082 balance, so the rest of the $749,000 price is paid at closing. A second mortgage can cover part of it. $475,507.59 is due at closing. Uses and sources reconcile at $767,589.29 each. Not a Closing Disclosure.