Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$331,697Cash toward the purchase price.
Closing costs + prepaids$16,246Not just lender fees.
Before credits & paid funds$347,943The complete starting cash picture.
Estimated remaining funds due at closing
$347,943No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$331,696.98
Your down payment$331,696.98
Closing costs + prepaids$16,245.94
Total buyer cash needed$347,942.93
Remaining funds due$347,942.93
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
Initial HOA (3 months)$240.00
Prepaid interest, first (12 days)$380.94
Fees + prepaids$16,245.94
Your down payment is the seller’s equity. You take over the $418,303 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $347,942.93 is due at closing. Uses and sources reconcile at $766,245.94 each. Not a Closing Disclosure.