Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$51,648Cash toward the purchase price.
Closing costs + prepaids$19,612Not just lender fees.
Before credits & paid funds$71,260The complete starting cash picture.
Estimated remaining funds due at closing
$71,260No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,648.35
Your down payment$51,648.35
Closing costs + prepaids$19,611.66
Total buyer cash needed$71,260.01
Remaining funds due$71,260.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,300.00
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)$1,825.00
Prepaid interest, first (27 days)$3,261.66
Fees + prepaids$19,611.66
Your down payment is the seller’s equity. You take over the $678,352 balance, so the rest of the $730,000 price is paid at closing. A second mortgage can cover part of it. $71,260.01 is due at closing. Uses and sources reconcile at $749,611.66 each. Not a Closing Disclosure.