Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$94,799Cash toward the purchase price.
Closing costs + prepaids$19,091Not just lender fees.
Before credits & paid funds$113,891The complete starting cash picture.
Estimated remaining funds due at closing
$113,891No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,799.48
Your down payment$94,799.48
Closing costs + prepaids$19,091.19
Total buyer cash needed$113,890.67
Remaining funds due$113,890.67
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)$1,184.25
Initial HOA (3 months)$261.00
Prepaid interest, first (24 days)$2,920.94
Fees + prepaids$19,091.19
Your down payment is the seller’s equity. You take over the $655,201 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $113,890.67 is due at closing. Uses and sources reconcile at $769,091.19 each. Not a Closing Disclosure.