Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$94,019Cash toward the purchase price.
Closing costs + prepaids$20,173Not just lender fees.
Before credits & paid funds$114,192The complete starting cash picture.
Estimated remaining funds due at closing
$114,192No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,018.98
Your down payment$94,018.98
Closing costs + prepaids$20,173.11
Total buyer cash needed$114,192.09
Remaining funds due$114,192.09
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
Initial HOA (3 months)$576.00
Prepaid interest, first (27 days)$2,998.36
Fees + prepaids$20,173.11
Your down payment is the seller’s equity. You take over the $655,881 balance, so the rest of the $749,900 price is paid at closing. A second mortgage can cover part of it. $114,192.09 is due at closing. Uses and sources reconcile at $770,073.11 each. Not a Closing Disclosure.