Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$29,518Cash toward the purchase price.
Closing costs + prepaids$18,218Not just lender fees.
Before credits & paid funds$47,735The complete starting cash picture.
Estimated remaining funds due at closing
$47,735No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,517.65
Your down payment$29,517.65
Closing costs + prepaids$18,217.61
Total buyer cash needed$47,735.26
Remaining funds due$47,735.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,499.00
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)$0.25
Initial HOA (3 months)$45.00
Prepaid interest, first (26 days)$3,448.36
Fees + prepaids$18,217.61
Your down payment is the seller’s equity. You take over the $720,382 balance, so the rest of the $749,900 price is paid at closing. A second mortgage can cover part of it. $47,735.26 is due at closing. Uses and sources reconcile at $768,117.61 each. Not a Closing Disclosure.