Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$235,804Cash toward the purchase price.
Closing costs + prepaids$16,853Not just lender fees.
Before credits & paid funds$252,657The complete starting cash picture.
Estimated remaining funds due at closing
$252,657No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$235,803.66
Your down payment$235,803.66
Closing costs + prepaids$16,852.90
Total buyer cash needed$252,656.56
Remaining funds due$252,656.56
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)$937.50
Prepaid interest, first (13 days)$1,190.40
Fees + prepaids$16,852.90
Your down payment is the seller’s equity. You take over the $514,196 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $252,656.56 is due at closing. Uses and sources reconcile at $766,852.90 each. Not a Closing Disclosure.