Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$34,427Cash toward the purchase price.
Closing costs + prepaids$16,847Not just lender fees.
Before credits & paid funds$51,275The complete starting cash picture.
Estimated remaining funds due at closing
$51,275No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,427.06
Your down payment$34,427.06
Closing costs + prepaids$16,847.49
Total buyer cash needed$51,274.55
Remaining funds due$51,274.55
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)$1,872.50
Prepaid interest, first (2 days)$259.99
Fees + prepaids$16,847.49
Your down payment is the seller’s equity. You take over the $714,573 balance, so the rest of the $749,000 price is paid at closing. A second mortgage can cover part of it. $51,274.55 is due at closing. Uses and sources reconcile at $765,847.49 each. Not a Closing Disclosure.