Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$31,321Cash toward the purchase price.
Closing costs + prepaids$20,410Not just lender fees.
Before credits & paid funds$51,731The complete starting cash picture.
Estimated remaining funds due at closing
$51,731No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,320.80
Your down payment$31,320.80
Closing costs + prepaids$20,410.06
Total buyer cash needed$51,730.86
Remaining funds due$51,730.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,550.00
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)$1,220.25
Initial HOA (3 months)$180.00
Prepaid interest, first (31 days)$4,234.81
Fees + prepaids$20,410.06
Your down payment is the seller’s equity. You take over the $723,679 balance, so the rest of the $755,000 price is paid at closing. A second mortgage can cover part of it. $51,730.86 is due at closing. Uses and sources reconcile at $775,410.06 each. Not a Closing Disclosure.