Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$41,730Cash toward the purchase price.
Closing costs + prepaids$17,453Not just lender fees.
Before credits & paid funds$59,183The complete starting cash picture.
Estimated remaining funds due at closing
$59,183No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,729.84
Your down payment$41,729.84
Closing costs + prepaids$17,453.34
Total buyer cash needed$59,183.18
Remaining funds due$59,183.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,490.00
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)$936.25
Prepaid interest, first (15 days)$1,802.09
Fees + prepaids$17,453.34
Your down payment is the seller’s equity. You take over the $707,270 balance, so the rest of the $749,000 price is paid at closing. A second mortgage can cover part of it. $59,183.18 is due at closing. Uses and sources reconcile at $766,453.34 each. Not a Closing Disclosure.