Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$318,063Cash toward the purchase price.
Closing costs + prepaids$17,678Not just lender fees.
Before credits & paid funds$335,740The complete starting cash picture.
Estimated remaining funds due at closing
$335,740No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$318,062.65
Your down payment$318,062.65
Closing costs + prepaids$17,677.52
Total buyer cash needed$335,740.17
Remaining funds due$335,740.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,490.00
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)$1,872.50
Initial HOA (3 months)$1,035.00
Prepaid interest, first (1 days)$55.02
Fees + prepaids$17,677.52
Your down payment is the seller’s equity. You take over the $430,937 balance, so the rest of the $749,000 price is paid at closing. A second mortgage can cover part of it. $335,740.17 is due at closing. Uses and sources reconcile at $766,677.52 each. Not a Closing Disclosure.