Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$173,995Cash toward the purchase price.
Closing costs + prepaids$16,806Not just lender fees.
Before credits & paid funds$190,802The complete starting cash picture.
Estimated remaining funds due at closing
$190,802No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,995.31
Your down payment$173,995.31
Closing costs + prepaids$16,806.47
Total buyer cash needed$190,801.79
Remaining funds due$190,801.79
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
Prepaid interest, first (2 days)$218.97
Fees + prepaids$16,806.47
Your down payment is the seller’s equity. You take over the $575,005 balance, so the rest of the $749,000 price is paid at closing. A second mortgage can cover part of it. $190,801.79 is due at closing. Uses and sources reconcile at $765,806.47 each. Not a Closing Disclosure.