Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$391,587Cash toward the purchase price.
Closing costs + prepaids$16,264Not just lender fees.
Before credits & paid funds$407,852The complete starting cash picture.
Estimated remaining funds due at closing
$407,852No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$391,587.42
Your down payment$391,587.42
Closing costs + prepaids$16,264.49
Total buyer cash needed$407,851.91
Remaining funds due$407,851.91
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)$304.00
Prepaid interest, first (18 days)$1,235.49
Fees + prepaids$16,264.49
Your down payment is the seller’s equity. You take over the $358,413 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $407,851.91 is due at closing. Uses and sources reconcile at $766,264.49 each. Not a Closing Disclosure.