Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$37,175Cash toward the purchase price.
Closing costs + prepaids$20,929Not just lender fees.
Before credits & paid funds$58,105The complete starting cash picture.
Estimated remaining funds due at closing
$58,105No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,175.46
Your down payment$37,175.46
Closing costs + prepaids$20,929.20
Total buyer cash needed$58,104.66
Remaining funds due$58,104.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,580.00
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)$1,895.00
Initial HOA (3 months)$678.00
Prepaid interest, first (27 days)$3,551.20
Fees + prepaids$20,929.20
Your down payment is the seller’s equity. You take over the $720,825 balance, so the rest of the $758,000 price is paid at closing. A second mortgage can cover part of it. $58,104.66 is due at closing. Uses and sources reconcile at $778,929.20 each. Not a Closing Disclosure.