Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$165,019Cash toward the purchase price.
Closing costs + prepaids$16,800Not just lender fees.
Before credits & paid funds$181,819The complete starting cash picture.
Estimated remaining funds due at closing
$181,819No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$165,018.84
Your down payment$165,018.84
Closing costs + prepaids$16,800.09
Total buyer cash needed$181,818.93
Remaining funds due$181,818.93
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
Prepaid interest, first (12 days)$1,175.09
Fees + prepaids$16,800.09
Your down payment is the seller’s equity. You take over the $584,981 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $181,818.93 is due at closing. Uses and sources reconcile at $766,800.09 each. Not a Closing Disclosure.