Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$527,602Cash toward the purchase price.
Closing costs + prepaids$17,206Not just lender fees.
Before credits & paid funds$544,807The complete starting cash picture.
Estimated remaining funds due at closing
$544,807No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$527,601.78
Your down payment$527,601.78
Closing costs + prepaids$17,205.71
Total buyer cash needed$544,807.50
Remaining funds due$544,807.50
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)$1,155.50
Initial HOA (3 months)$900.00
Prepaid interest, first (25 days)$435.21
Fees + prepaids$17,205.71
Your down payment is the seller’s equity. You take over the $221,398 balance, so the rest of the $749,000 price is paid at closing. A second mortgage can cover part of it. $544,807.50 is due at closing. Uses and sources reconcile at $766,205.71 each. Not a Closing Disclosure.