Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$43,755Cash toward the purchase price.
Closing costs + prepaids$18,983Not just lender fees.
Before credits & paid funds$62,739The complete starting cash picture.
Estimated remaining funds due at closing
$62,739No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,755.49
Your down payment$43,755.49
Closing costs + prepaids$18,983.30
Total buyer cash needed$62,738.79
Remaining funds due$62,738.79
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)$599.50
Initial HOA (3 months)$75.00
Prepaid interest, first (28 days)$3,684.80
Fees + prepaids$18,983.30
Your down payment is the seller’s equity. You take over the $696,145 balance, so the rest of the $739,900 price is paid at closing. A second mortgage can cover part of it. $62,738.79 is due at closing. Uses and sources reconcile at $758,883.30 each. Not a Closing Disclosure.