Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$119,371Cash toward the purchase price.
Closing costs + prepaids$19,403Not just lender fees.
Before credits & paid funds$138,774The complete starting cash picture.
Estimated remaining funds due at closing
$138,774No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,371.03
Your down payment$119,371.03
Closing costs + prepaids$19,403.45
Total buyer cash needed$138,774.48
Remaining funds due$138,774.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,750.00
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)$1,184.25
Initial HOA (3 months)$261.00
Prepaid interest, first (24 days)$2,983.20
Fees + prepaids$19,403.45
Your down payment is the seller’s equity. You take over the $655,629 balance, so the rest of the $775,000 price is paid at closing. A second mortgage can cover part of it. $138,774.48 is due at closing. Uses and sources reconcile at $794,403.45 each. Not a Closing Disclosure.