Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$26,150Cash toward the purchase price.
Closing costs + prepaids$20,340Not just lender fees.
Before credits & paid funds$46,490The complete starting cash picture.
Estimated remaining funds due at closing
$46,490No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,150.19
Your down payment$26,150.19
Closing costs + prepaids$20,339.70
Total buyer cash needed$46,489.89
Remaining funds due$46,489.89
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)$1,887.50
Prepaid interest, first (29 days)$3,677.20
Fees + prepaids$20,339.70
Your down payment is the seller’s equity. You take over the $728,850 balance, so the rest of the $755,000 price is paid at closing. A second mortgage can cover part of it. $46,489.89 is due at closing. Uses and sources reconcile at $775,339.70 each. Not a Closing Disclosure.