Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$19,577Cash toward the purchase price.
Closing costs + prepaids$21,474Not just lender fees.
Before credits & paid funds$41,051The complete starting cash picture.
Estimated remaining funds due at closing
$41,051No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,577.07
Your down payment$19,577.07
Closing costs + prepaids$21,474.09
Total buyer cash needed$41,051.15
Remaining funds due$41,051.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,690.00
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)$1,922.50
Initial HOA (3 months)$933.00
Prepaid interest, first (29 days)$3,703.59
Fees + prepaids$21,474.09
Your down payment is the seller’s equity. You take over the $749,423 balance, so the rest of the $769,000 price is paid at closing. A second mortgage can cover part of it. $41,051.15 is due at closing. Uses and sources reconcile at $790,474.09 each. Not a Closing Disclosure.