Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$343,881Cash toward the purchase price.
Closing costs + prepaids$16,250Not just lender fees.
Before credits & paid funds$360,131The complete starting cash picture.
Estimated remaining funds due at closing
$360,131No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$343,881.10
Your down payment$343,881.10
Closing costs + prepaids$16,249.78
Total buyer cash needed$360,130.88
Remaining funds due$360,130.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,500.00
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)$900.00
Initial HOA (3 months)$300.00
Prepaid interest, first (7 days)$324.78
Fees + prepaids$16,249.78
Your down payment is the seller’s equity. You take over the $406,119 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $360,130.88 is due at closing. Uses and sources reconcile at $766,249.78 each. Not a Closing Disclosure.