Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$349,709Cash toward the purchase price.
Closing costs + prepaids$17,516Not just lender fees.
Before credits & paid funds$367,225The complete starting cash picture.
Estimated remaining funds due at closing
$367,225No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$349,709.03
Your down payment$349,709.03
Closing costs + prepaids$17,515.81
Total buyer cash needed$367,224.84
Remaining funds due$367,224.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,550.00
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)$906.00
Initial HOA (3 months)$1,542.00
Prepaid interest, first (9 days)$292.81
Fees + prepaids$17,515.81
Your down payment is the seller’s equity. You take over the $405,291 balance, so the rest of the $755,000 price is paid at closing. A second mortgage can cover part of it. $367,224.84 is due at closing. Uses and sources reconcile at $772,515.81 each. Not a Closing Disclosure.