Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$451,457Cash toward the purchase price.
Closing costs + prepaids$17,348Not just lender fees.
Before credits & paid funds$468,805The complete starting cash picture.
Estimated remaining funds due at closing
$468,805No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$451,456.88
Your down payment$451,456.88
Closing costs + prepaids$17,348.22
Total buyer cash needed$468,805.10
Remaining funds due$468,805.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,430.00
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)$2,646.25
Prepaid interest, first (2 days)$46.97
Fees + prepaids$17,348.22
Your down payment is the seller’s equity. You take over the $291,543 balance, so the rest of the $743,000 price is paid at closing. A second mortgage can cover part of it. $468,805.10 is due at closing. Uses and sources reconcile at $760,348.22 each. Not a Closing Disclosure.