Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$249,173Cash toward the purchase price.
Closing costs + prepaids$17,522Not just lender fees.
Before credits & paid funds$266,695The complete starting cash picture.
Estimated remaining funds due at closing
$266,695No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$249,173.44
Your down payment$249,173.44
Closing costs + prepaids$17,521.68
Total buyer cash needed$266,695.11
Remaining funds due$266,695.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,549.00
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)$1,887.25
Prepaid interest, first (18 days)$860.43
Fees + prepaids$17,521.68
Your down payment is the seller’s equity. You take over the $505,727 balance, so the rest of the $754,900 price is paid at closing. A second mortgage can cover part of it. $266,695.11 is due at closing. Uses and sources reconcile at $772,421.68 each. Not a Closing Disclosure.