Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$278,804Cash toward the purchase price.
Closing costs + prepaids$18,668Not just lender fees.
Before credits & paid funds$297,472The complete starting cash picture.
Estimated remaining funds due at closing
$297,472No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$278,803.90
Your down payment$278,803.90
Closing costs + prepaids$18,668.29
Total buyer cash needed$297,472.19
Remaining funds due$297,472.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,500.00
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)$1,875.00
Initial HOA (3 months)$609.00
Prepaid interest, first (18 days)$1,459.29
Fees + prepaids$18,668.29
Your down payment is the seller’s equity. You take over the $471,196 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $297,472.19 is due at closing. Uses and sources reconcile at $768,668.29 each. Not a Closing Disclosure.