Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$349,709Cash toward the purchase price.
Closing costs + prepaids$17,548Not just lender fees.
Before credits & paid funds$367,257The complete starting cash picture.
Estimated remaining funds due at closing
$367,257No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$349,709.03
Your down payment$349,709.03
Closing costs + prepaids$17,548.34
Total buyer cash needed$367,257.37
Remaining funds due$367,257.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,550.00
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)$906.00
Initial HOA (3 months)$1,542.00
Prepaid interest, first (10 days)$325.34
Fees + prepaids$17,548.34
Your down payment is the seller’s equity. You take over the $405,291 balance, so the rest of the $755,000 price is paid at closing. A second mortgage can cover part of it. $367,257.37 is due at closing. Uses and sources reconcile at $772,548.34 each. Not a Closing Disclosure.