Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$36,245Cash toward the purchase price.
Closing costs + prepaids$20,143Not just lender fees.
Before credits & paid funds$56,387The complete starting cash picture.
Estimated remaining funds due at closing
$56,387No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,244.62
Your down payment$36,244.62
Closing costs + prepaids$20,142.57
Total buyer cash needed$56,387.19
Remaining funds due$56,387.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,500.00
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)$1,875.00
Prepaid interest, first (28 days)$3,542.57
Fees + prepaids$20,142.57
Your down payment is the seller’s equity. You take over the $713,755 balance, so the rest of the $750,000 price is paid at closing. A second mortgage can cover part of it. $56,387.19 is due at closing. Uses and sources reconcile at $770,142.57 each. Not a Closing Disclosure.