Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$425,481Cash toward the purchase price.
Closing costs + prepaids$15,586Not just lender fees.
Before credits & paid funds$441,067The complete starting cash picture.
Estimated remaining funds due at closing
$441,067No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$425,481.36
Your down payment$425,481.36
Closing costs + prepaids$15,585.87
Total buyer cash needed$441,067.22
Remaining funds due$441,067.22
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 (1 days)$24.63
Fees + prepaids$15,585.87
Your down payment is the seller’s equity. You take over the $324,518 balance, so the rest of the $749,999 price is paid at closing. A second mortgage can cover part of it. $441,067.22 is due at closing. Uses and sources reconcile at $765,584.87 each. Not a Closing Disclosure.