Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$281,996Cash toward the purchase price.
Closing costs + prepaids$18,034Not just lender fees.
Before credits & paid funds$300,030The complete starting cash picture.
Estimated remaining funds due at closing
$300,030No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$281,996.14
Your down payment$281,996.14
Closing costs + prepaids$18,034.00
Total buyer cash needed$300,030.14
Remaining funds due$300,030.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,499.00
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)$1,874.75
Prepaid interest, first (18 days)$1,435.25
Fees + prepaids$18,034.00
Your down payment is the seller’s equity. You take over the $467,904 balance, so the rest of the $749,900 price is paid at closing. A second mortgage can cover part of it. $300,030.14 is due at closing. Uses and sources reconcile at $767,934.00 each. Not a Closing Disclosure.