Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$57,520Cash toward the purchase price.
Closing costs + prepaids$20,032Not just lender fees.
Before credits & paid funds$77,552The complete starting cash picture.
Estimated remaining funds due at closing
$77,552No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,520.17
Your down payment$57,520.17
Closing costs + prepaids$20,031.54
Total buyer cash needed$77,551.71
Remaining funds due$77,551.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,350.00
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)$1,837.50
Initial HOA (3 months)$810.00
Prepaid interest, first (23 days)$2,809.04
Fees + prepaids$20,031.54
Your down payment is the seller’s equity. You take over the $677,480 balance, so the rest of the $735,000 price is paid at closing. A second mortgage can cover part of it. $77,551.71 is due at closing. Uses and sources reconcile at $755,031.54 each. Not a Closing Disclosure.