Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$284,273Cash toward the purchase price.
Closing costs + prepaids$17,847Not just lender fees.
Before credits & paid funds$302,119The complete starting cash picture.
Estimated remaining funds due at closing
$302,119No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$284,272.66
Your down payment$284,272.66
Closing costs + prepaids$17,846.80
Total buyer cash needed$302,119.45
Remaining funds due$302,119.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,690.00
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)$1,922.50
Prepaid interest, first (25 days)$1,009.30
Fees + prepaids$17,846.80
Your down payment is the seller’s equity. You take over the $484,727 balance, so the rest of the $769,000 price is paid at closing. A second mortgage can cover part of it. $302,119.45 is due at closing. Uses and sources reconcile at $786,846.80 each. Not a Closing Disclosure.