Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$30,764Cash toward the purchase price.
Closing costs + prepaids$16,446Not just lender fees.
Before credits & paid funds$47,211The complete starting cash picture.
Estimated remaining funds due at closing
$47,211No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,764.39
Your down payment$30,764.39
Closing costs + prepaids$16,446.29
Total buyer cash needed$47,210.68
Remaining funds due$47,210.68
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 (2 days)$271.04
Fees + prepaids$16,446.29
Your down payment is the seller’s equity. You take over the $724,236 balance, so the rest of the $755,000 price is paid at closing. A second mortgage can cover part of it. $47,210.68 is due at closing. Uses and sources reconcile at $771,446.29 each. Not a Closing Disclosure.