Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$138,683Cash toward the purchase price.
Closing costs + prepaids$16,718Not just lender fees.
Before credits & paid funds$155,400The complete starting cash picture.
Estimated remaining funds due at closing
$155,400No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,682.90
Your down payment$138,682.90
Closing costs + prepaids$16,717.56
Total buyer cash needed$155,400.46
Remaining funds due$155,400.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,499.99
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)$1,875.00
Prepaid interest, first (2 days)$117.57
Fees + prepaids$16,717.56
Your down payment is the seller’s equity. You take over the $611,316 balance, so the rest of the $749,999 price is paid at closing. A second mortgage can cover part of it. $155,400.46 is due at closing. Uses and sources reconcile at $766,716.56 each. Not a Closing Disclosure.