Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$62,442Cash toward the purchase price.
Closing costs + prepaids$20,405Not just lender fees.
Before credits & paid funds$82,847The complete starting cash picture.
Estimated remaining funds due at closing
$82,847No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,442.11
Your down payment$62,442.11
Closing costs + prepaids$20,405.26
Total buyer cash needed$82,847.36
Remaining funds due$82,847.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,600.00
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)$1,900.00
Initial HOA (3 months)$525.00
Prepaid interest, first (26 days)$3,155.26
Fees + prepaids$20,405.26
Your down payment is the seller’s equity. You take over the $697,558 balance, so the rest of the $760,000 price is paid at closing. A second mortgage can cover part of it. $82,847.36 is due at closing. Uses and sources reconcile at $780,405.26 each. Not a Closing Disclosure.