Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$43,355Cash toward the purchase price.
Closing costs + prepaids$17,988Not just lender fees.
Before credits & paid funds$61,344The complete starting cash picture.
Estimated remaining funds due at closing
$61,344No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,355.49
Your down payment$43,355.49
Closing costs + prepaids$17,988.30
Total buyer cash needed$61,343.79
Remaining funds due$61,343.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,395.00
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)$924.50
Initial HOA (3 months)$75.00
Prepaid interest, first (18 days)$2,368.80
Fees + prepaids$17,988.30
Your down payment is the seller’s equity. You take over the $696,145 balance, so the rest of the $739,500 price is paid at closing. A second mortgage can cover part of it. $61,343.79 is due at closing. Uses and sources reconcile at $757,488.30 each. Not a Closing Disclosure.