Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$332,620Cash toward the purchase price.
Closing costs + prepaids$17,905Not just lender fees.
Before credits & paid funds$350,525The complete starting cash picture.
Estimated remaining funds due at closing
$350,525No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$332,620.03
Your down payment$332,620.03
Closing costs + prepaids$17,905.29
Total buyer cash needed$350,525.32
Remaining funds due$350,525.32
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)$2,177.00
Initial HOA (3 months)$240.00
Prepaid interest, first (25 days)$763.29
Fees + prepaids$17,905.29
Your down payment is the seller’s equity. You take over the $417,380 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $350,525.32 is due at closing. Uses and sources reconcile at $767,905.29 each. Not a Closing Disclosure.