Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$47,660Cash toward the purchase price.
Closing costs + prepaids$19,437Not just lender fees.
Before credits & paid funds$67,097The complete starting cash picture.
Estimated remaining funds due at closing
$67,097No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,659.94
Your down payment$47,659.94
Closing costs + prepaids$19,436.64
Total buyer cash needed$67,096.58
Remaining funds due$67,096.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,150.00
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)$508.75
Prepaid interest, first (25 days)$3,552.89
Fees + prepaids$19,436.64
Your down payment is the seller’s equity. You take over the $767,340 balance, so the rest of the $815,000 price is paid at closing. A second mortgage can cover part of it. $67,096.58 is due at closing. Uses and sources reconcile at $834,436.64 each. Not a Closing Disclosure.