Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$426,265Cash toward the purchase price.
Closing costs + prepaids$16,323Not just lender fees.
Before credits & paid funds$442,588The complete starting cash picture.
Estimated remaining funds due at closing
$442,588No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$426,264.85
Your down payment$426,264.85
Closing costs + prepaids$16,322.86
Total buyer cash needed$442,587.71
Remaining funds due$442,587.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,499.99
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)$506.25
Initial HOA (3 months)$330.00
Prepaid interest, first (31 days)$761.62
Fees + prepaids$16,322.86
Your down payment is the seller’s equity. You take over the $323,734 balance, so the rest of the $749,999 price is paid at closing. A second mortgage can cover part of it. $442,587.71 is due at closing. Uses and sources reconcile at $766,321.86 each. Not a Closing Disclosure.