Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$48,111Cash toward the purchase price.
Closing costs + prepaids$20,139Not just lender fees.
Before credits & paid funds$68,250The complete starting cash picture.
Estimated remaining funds due at closing
$68,250No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,110.77
Your down payment$48,110.77
Closing costs + prepaids$20,139.13
Total buyer cash needed$68,249.90
Remaining funds due$68,249.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,495.00
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)$1,873.75
Prepaid interest, first (30 days)$3,545.38
Fees + prepaids$20,139.13
Your down payment is the seller’s equity. You take over the $701,389 balance, so the rest of the $749,500 price is paid at closing. A second mortgage can cover part of it. $68,249.90 is due at closing. Uses and sources reconcile at $769,639.13 each. Not a Closing Disclosure.