Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$39,209Cash toward the purchase price.
Closing costs + prepaids$21,388Not just lender fees.
Before credits & paid funds$60,597The complete starting cash picture.
Estimated remaining funds due at closing
$60,597No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,209.17
Your down payment$39,209.17
Closing costs + prepaids$21,387.61
Total buyer cash needed$60,596.78
Remaining funds due$60,596.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,850.00
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)$1,962.50
Initial HOA (3 months)$897.00
Prepaid interest, first (26 days)$3,453.11
Fees + prepaids$21,387.61
Your down payment is the seller’s equity. You take over the $745,791 balance, so the rest of the $785,000 price is paid at closing. A second mortgage can cover part of it. $60,596.78 is due at closing. Uses and sources reconcile at $806,387.61 each. Not a Closing Disclosure.