Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$352,261Cash toward the purchase price.
Closing costs + prepaids$16,529Not just lender fees.
Before credits & paid funds$368,790The complete starting cash picture.
Estimated remaining funds due at closing
$368,790No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$352,261.30
Your down payment$352,261.30
Closing costs + prepaids$16,529.15
Total buyer cash needed$368,790.45
Remaining funds due$368,790.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,499.00
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)$937.50
Initial HOA (3 months)$225.00
Prepaid interest, first (17 days)$642.65
Fees + prepaids$16,529.15
Your down payment is the seller’s equity. You take over the $397,639 balance, so the rest of the $749,900 price is paid at closing. A second mortgage can cover part of it. $368,790.45 is due at closing. Uses and sources reconcile at $766,429.15 each. Not a Closing Disclosure.