Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$259,110Cash toward the purchase price.
Closing costs + prepaids$20,511Not just lender fees.
Before credits & paid funds$279,621The complete starting cash picture.
Estimated remaining funds due at closing
$279,621No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$259,110.06
Your down payment$259,110.06
Closing costs + prepaids$20,510.77
Total buyer cash needed$279,620.84
Remaining funds due$279,620.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,499.00
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)$2,615.25
Initial HOA (3 months)$594.00
Prepaid interest, first (29 days)$2,577.52
Fees + prepaids$20,510.77
Your down payment is the seller’s equity. You take over the $490,790 balance, so the rest of the $749,900 price is paid at closing. A second mortgage can cover part of it. $279,620.84 is due at closing. Uses and sources reconcile at $770,410.77 each. Not a Closing Disclosure.