Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$286,953Cash toward the purchase price.
Closing costs + prepaids$15,926Not just lender fees.
Before credits & paid funds$302,879The complete starting cash picture.
Estimated remaining funds due at closing
$302,879No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$286,952.68
Your down payment$286,952.68
Closing costs + prepaids$15,925.89
Total buyer cash needed$302,878.57
Remaining funds due$302,878.57
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)$1,031.25
Initial HOA (3 months)$75.00
Prepaid interest, first (2 days)$94.64
Fees + prepaids$15,925.89
Your down payment is the seller’s equity. You take over the $463,047 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $302,878.57 is due at closing. Uses and sources reconcile at $765,925.89 each. Not a Closing Disclosure.