Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$142,643Cash toward the purchase price.
Closing costs + prepaids$16,678Not just lender fees.
Before credits & paid funds$159,321The complete starting cash picture.
Estimated remaining funds due at closing
$159,321No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,643.19
Your down payment$142,643.19
Closing costs + prepaids$16,678.12
Total buyer cash needed$159,321.31
Remaining funds due$159,321.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,600.00
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)$912.00
Initial HOA (3 months)$180.00
Prepaid interest, first (6 days)$761.12
Fees + prepaids$16,678.12
Your down payment is the seller’s equity. You take over the $617,357 balance, so the rest of the $760,000 price is paid at closing. A second mortgage can cover part of it. $159,321.31 is due at closing. Uses and sources reconcile at $776,678.12 each. Not a Closing Disclosure.