Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$175,646Cash toward the purchase price.
Closing costs + prepaids$18,502Not just lender fees.
Before credits & paid funds$194,148The complete starting cash picture.
Estimated remaining funds due at closing
$194,148No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,645.85
Your down payment$175,645.85
Closing costs + prepaids$18,501.68
Total buyer cash needed$194,147.53
Remaining funds due$194,147.53
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)$1,332.25
Initial HOA (3 months)$399.00
Prepaid interest, first (26 days)$2,195.43
Fees + prepaids$18,501.68
Your down payment is the seller’s equity. You take over the $559,354 balance, so the rest of the $735,000 price is paid at closing. A second mortgage can cover part of it. $194,147.53 is due at closing. Uses and sources reconcile at $753,501.68 each. Not a Closing Disclosure.