Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$426,265Cash toward the purchase price.
Closing costs + prepaids$16,053Not just lender fees.
Before credits & paid funds$442,317The complete starting cash picture.
Estimated remaining funds due at closing
$442,317No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$426,264.85
Your down payment$426,264.85
Closing costs + prepaids$16,052.61
Total buyer cash needed$442,317.45
Remaining funds due$442,317.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,499.99
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)$506.25
Initial HOA (3 months)$330.00
Prepaid interest, first (20 days)$491.37
Fees + prepaids$16,052.61
Your down payment is the seller’s equity. You take over the $323,734 balance, so the rest of the $749,999 price is paid at closing. A second mortgage can cover part of it. $442,317.45 is due at closing. Uses and sources reconcile at $766,051.61 each. Not a Closing Disclosure.