Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$18,511Cash toward the purchase price.
Closing costs + prepaids$18,824Not just lender fees.
Before credits & paid funds$37,334The complete starting cash picture.
Estimated remaining funds due at closing
$37,334No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,510.77
Your down payment$18,510.77
Closing costs + prepaids$18,823.69
Total buyer cash needed$37,334.46
Remaining funds due$37,334.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,199.00
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)$1,799.75
Prepaid interest, first (22 days)$2,599.94
Fees + prepaids$18,823.69
Your down payment is the seller’s equity. You take over the $701,389 balance, so the rest of the $719,900 price is paid at closing. A second mortgage can cover part of it. $37,334.46 is due at closing. Uses and sources reconcile at $738,723.69 each. Not a Closing Disclosure.