Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$45,277Cash toward the purchase price.
Closing costs + prepaids$19,686Not just lender fees.
Before credits & paid funds$64,963The complete starting cash picture.
Estimated remaining funds due at closing
$64,963No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,277.21
Your down payment$45,277.21
Closing costs + prepaids$19,685.58
Total buyer cash needed$64,962.79
Remaining funds due$64,962.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,499.00
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)$1,874.75
Prepaid interest, first (26 days)$3,086.83
Fees + prepaids$19,685.58
Your down payment is the seller’s equity. You take over the $704,623 balance, so the rest of the $749,900 price is paid at closing. A second mortgage can cover part of it. $64,962.79 is due at closing. Uses and sources reconcile at $769,585.58 each. Not a Closing Disclosure.