Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$229,049Cash toward the purchase price.
Closing costs + prepaids$16,460Not just lender fees.
Before credits & paid funds$245,509The complete starting cash picture.
Estimated remaining funds due at closing
$245,509No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$229,048.76
Your down payment$229,048.76
Closing costs + prepaids$16,459.83
Total buyer cash needed$245,508.59
Remaining funds due$245,508.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,499.90
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)$900.00
Prepaid interest, first (9 days)$834.93
Fees + prepaids$16,459.83
Your down payment is the seller’s equity. You take over the $520,941 balance, so the rest of the $749,990 price is paid at closing. A second mortgage can cover part of it. $245,508.59 is due at closing. Uses and sources reconcile at $766,449.83 each. Not a Closing Disclosure.