Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$437,896Cash toward the purchase price.
Closing costs + prepaids$17,242Not just lender fees.
Before credits & paid funds$455,137The complete starting cash picture.
Estimated remaining funds due at closing
$455,137No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$437,895.67
Your down payment$437,895.67
Closing costs + prepaids$17,241.54
Total buyer cash needed$455,137.21
Remaining funds due$455,137.21
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)$1,496.00
Prepaid interest, first (31 days)$1,020.54
Fees + prepaids$17,241.54
Your down payment is the seller’s equity. You take over the $312,104 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $455,137.21 is due at closing. Uses and sources reconcile at $767,241.54 each. Not a Closing Disclosure.