Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$30,813Cash toward the purchase price.
Closing costs + prepaids$16,869Not just lender fees.
Before credits & paid funds$47,682The complete starting cash picture.
Estimated remaining funds due at closing
$47,682No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,813.47
Your down payment$30,813.47
Closing costs + prepaids$16,868.92
Total buyer cash needed$47,682.39
Remaining funds due$47,682.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,498.88
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)$1,874.75
Prepaid interest, first (2 days)$270.29
Fees + prepaids$16,868.92
Your down payment is the seller’s equity. You take over the $719,075 balance, so the rest of the $749,888 price is paid at closing. A second mortgage can cover part of it. $47,682.39 is due at closing. Uses and sources reconcile at $766,756.92 each. Not a Closing Disclosure.