Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$31,037Cash toward the purchase price.
Closing costs + prepaids$16,821Not just lender fees.
Before credits & paid funds$47,859The complete starting cash picture.
Estimated remaining funds due at closing
$47,859No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,037.20
Your down payment$31,037.20
Closing costs + prepaids$16,821.39
Total buyer cash needed$47,858.59
Remaining funds due$47,858.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,699.00
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)$924.00
Initial HOA (3 months)$207.00
Prepaid interest, first (6 days)$766.39
Fees + prepaids$16,821.39
Your down payment is the seller’s equity. You take over the $738,863 balance, so the rest of the $769,900 price is paid at closing. A second mortgage can cover part of it. $47,858.59 is due at closing. Uses and sources reconcile at $786,721.39 each. Not a Closing Disclosure.