Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$229,049Cash toward the purchase price.
Closing costs + prepaids$17,488Not just lender fees.
Before credits & paid funds$246,537The complete starting cash picture.
Estimated remaining funds due at closing
$246,537No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$229,048.76
Your down payment$229,048.76
Closing costs + prepaids$17,488.31
Total buyer cash needed$246,537.07
Remaining funds due$246,537.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,499.90
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)$908.00
Prepaid interest, first (20 days)$1,855.41
Fees + prepaids$17,488.31
Your down payment is the seller’s equity. You take over the $520,941 balance, so the rest of the $749,990 price is paid at closing. A second mortgage can cover part of it. $246,537.07 is due at closing. Uses and sources reconcile at $767,478.31 each. Not a Closing Disclosure.