Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$31,321Cash toward the purchase price.
Closing costs + prepaids$19,317Not just lender fees.
Before credits & paid funds$50,638The complete starting cash picture.
Estimated remaining funds due at closing
$50,638No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,320.80
Your down payment$31,320.80
Closing costs + prepaids$19,317.21
Total buyer cash needed$50,638.01
Remaining funds due$50,638.01
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)$1,220.25
Initial HOA (3 months)$180.00
Prepaid interest, first (23 days)$3,141.96
Fees + prepaids$19,317.21
Your down payment is the seller’s equity. You take over the $723,679 balance, so the rest of the $755,000 price is paid at closing. A second mortgage can cover part of it. $50,638.01 is due at closing. Uses and sources reconcile at $774,317.21 each. Not a Closing Disclosure.