Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$36,997Cash toward the purchase price.
Closing costs + prepaids$16,103Not just lender fees.
Before credits & paid funds$53,100The complete starting cash picture.
Estimated remaining funds due at closing
$53,100No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,996.82
Your down payment$36,996.82
Closing costs + prepaids$16,102.89
Total buyer cash needed$53,099.71
Remaining funds due$53,099.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,150.00
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)$858.00
Prepaid interest, first (7 days)$869.89
Fees + prepaids$16,102.89
Your down payment is the seller’s equity. You take over the $678,003 balance, so the rest of the $715,000 price is paid at closing. A second mortgage can cover part of it. $53,099.71 is due at closing. Uses and sources reconcile at $731,102.89 each. Not a Closing Disclosure.