Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$744,763Cash toward the purchase price.
Closing costs + prepaids$18,424Not just lender fees.
Before credits & paid funds$763,188The complete starting cash picture.
Estimated remaining funds due at closing
$763,188No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$744,763.18
Your down payment$744,763.18
Closing costs + prepaids$18,424.40
Total buyer cash needed$763,187.58
Remaining funds due$763,187.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,999.00
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)$2,052.00
Initial HOA (3 months)$115.50
Prepaid interest, first (2 days)$32.90
Fees + prepaids$18,424.40
Your down payment is the seller’s equity. You take over the $155,137 balance, so the rest of the $899,900 price is paid at closing. A second mortgage can cover part of it. $763,187.58 is due at closing. Uses and sources reconcile at $918,324.40 each. Not a Closing Disclosure.