Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$104,474Cash toward the purchase price.
Closing costs + prepaids$18,980Not just lender fees.
Before credits & paid funds$123,454The complete starting cash picture.
Estimated remaining funds due at closing
$123,454No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,473.60
Your down payment$104,473.60
Closing costs + prepaids$18,980.35
Total buyer cash needed$123,453.94
Remaining funds due$123,453.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,399.00
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)$529.75
Initial HOA (3 months)$545.01
Prepaid interest, first (29 days)$3,281.59
Fees + prepaids$18,980.35
Your down payment is the seller’s equity. You take over the $635,426 balance, so the rest of the $739,900 price is paid at closing. A second mortgage can cover part of it. $123,453.94 is due at closing. Uses and sources reconcile at $758,880.35 each. Not a Closing Disclosure.