Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$52,187Cash toward the purchase price.
Closing costs + prepaids$18,821Not just lender fees.
Before credits & paid funds$71,008The complete starting cash picture.
Estimated remaining funds due at closing
$71,008No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,187.21
Your down payment$52,187.21
Closing costs + prepaids$18,821.25
Total buyer cash needed$71,008.47
Remaining funds due$71,008.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,400.00
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)$1,850.00
Initial HOA (3 months)$795.00
Prepaid interest, first (28 days)$1,551.25
Fees + prepaids$18,821.25
Your down payment is the seller’s equity. You take over the $687,813 balance, so the rest of the $740,000 price is paid at closing. A second mortgage can cover part of it. $71,008.47 is due at closing. Uses and sources reconcile at $758,821.25 each. Not a Closing Disclosure.