Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$211,319Cash toward the purchase price.
Closing costs + prepaids$18,795Not just lender fees.
Before credits & paid funds$230,114The complete starting cash picture.
Estimated remaining funds due at closing
$230,114No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$211,318.90
Your down payment$211,318.90
Closing costs + prepaids$18,794.89
Total buyer cash needed$230,113.79
Remaining funds due$230,113.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,350.00
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)$1,837.50
Prepaid interest, first (27 days)$2,382.39
Fees + prepaids$18,794.89
Your down payment is the seller’s equity. You take over the $523,681 balance, so the rest of the $735,000 price is paid at closing. A second mortgage can cover part of it. $230,113.79 is due at closing. Uses and sources reconcile at $753,794.89 each. Not a Closing Disclosure.