Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$284,365Cash toward the purchase price.
Closing costs + prepaids$17,418Not just lender fees.
Before credits & paid funds$301,783The complete starting cash picture.
Estimated remaining funds due at closing
$301,783No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$284,365.16
Your down payment$284,365.16
Closing costs + prepaids$17,418.12
Total buyer cash needed$301,783.27
Remaining funds due$301,783.27
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)$397.00
Prepaid interest, first (28 days)$2,306.12
Fees + prepaids$17,418.12
Your down payment is the seller’s equity. You take over the $464,635 balance, so the rest of the $749,000 price is paid at closing. A second mortgage can cover part of it. $301,783.27 is due at closing. Uses and sources reconcile at $766,418.12 each. Not a Closing Disclosure.