Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$48,969Cash toward the purchase price.
Closing costs + prepaids$17,723Not just lender fees.
Before credits & paid funds$66,692The complete starting cash picture.
Estimated remaining funds due at closing
$66,692No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,969.07
Your down payment$48,969.07
Closing costs + prepaids$17,723.27
Total buyer cash needed$66,692.34
Remaining funds due$66,692.34
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)$898.75
Initial HOA (3 months)$510.00
Prepaid interest, first (12 days)$1,599.52
Fees + prepaids$17,723.27
Your down payment is the seller’s equity. You take over the $700,031 balance, so the rest of the $749,000 price is paid at closing. A second mortgage can cover part of it. $66,692.34 is due at closing. Uses and sources reconcile at $766,723.27 each. Not a Closing Disclosure.