Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$104,883Cash toward the purchase price.
Closing costs + prepaids$18,762Not just lender fees.
Before credits & paid funds$123,645The complete starting cash picture.
Estimated remaining funds due at closing
$123,645No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,882.71
Your down payment$104,882.71
Closing costs + prepaids$18,762.40
Total buyer cash needed$123,645.11
Remaining funds due$123,645.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,999.99
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)$566.50
Prepaid interest, first (24 days)$2,970.91
Fees + prepaids$18,762.40
Your down payment is the seller’s equity. You take over the $695,116 balance, so the rest of the $799,999 price is paid at closing. A second mortgage can cover part of it. $123,645.11 is due at closing. Uses and sources reconcile at $818,761.40 each. Not a Closing Disclosure.