Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$29,974Cash toward the purchase price.
Closing costs + prepaids$19,276Not just lender fees.
Before credits & paid funds$49,250The complete starting cash picture.
Estimated remaining funds due at closing
$49,250No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,974.08
Your down payment$29,974.08
Closing costs + prepaids$19,275.87
Total buyer cash needed$49,249.95
Remaining funds due$49,249.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,090.00
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)$850.75
Initial HOA (3 months)$2,697.00
Prepaid interest, first (12 days)$1,413.12
Fees + prepaids$19,275.87
Your down payment is the seller’s equity. You take over the $679,026 balance, so the rest of the $709,000 price is paid at closing. A second mortgage can cover part of it. $49,249.95 is due at closing. Uses and sources reconcile at $728,275.87 each. Not a Closing Disclosure.