Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$57,520Cash toward the purchase price.
Closing costs + prepaids$21,009Not just lender fees.
Before credits & paid funds$78,529The complete starting cash picture.
Estimated remaining funds due at closing
$78,529No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,520.17
Your down payment$57,520.17
Closing costs + prepaids$21,008.59
Total buyer cash needed$78,528.77
Remaining funds due$78,528.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,350.00
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)$1,837.50
Initial HOA (3 months)$810.00
Prepaid interest, first (31 days)$3,786.09
Fees + prepaids$21,008.59
Your down payment is the seller’s equity. You take over the $677,480 balance, so the rest of the $735,000 price is paid at closing. A second mortgage can cover part of it. $78,528.77 is due at closing. Uses and sources reconcile at $756,008.59 each. Not a Closing Disclosure.