Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$100,790Cash toward the purchase price.
Closing costs + prepaids$20,611Not just lender fees.
Before credits & paid funds$121,401The complete starting cash picture.
Estimated remaining funds due at closing
$121,401No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,789.94
Your down payment$100,789.94
Closing costs + prepaids$20,610.68
Total buyer cash needed$121,400.61
Remaining funds due$121,400.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,490.00
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)$1,872.50
Initial HOA (3 months)$930.24
Prepaid interest, first (28 days)$3,092.94
Fees + prepaids$20,610.68
Your down payment is the seller’s equity. You take over the $648,210 balance, so the rest of the $749,000 price is paid at closing. A second mortgage can cover part of it. $121,400.61 is due at closing. Uses and sources reconcile at $769,610.68 each. Not a Closing Disclosure.