Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$60,812Cash toward the purchase price.
Closing costs + prepaids$19,894Not just lender fees.
Before credits & paid funds$80,706The complete starting cash picture.
Estimated remaining funds due at closing
$80,706No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,811.66
Your down payment$60,811.66
Closing costs + prepaids$19,893.91
Total buyer cash needed$80,705.57
Remaining funds due$80,705.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,749.00
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)$1,125.25
Initial HOA (3 months)$234.00
Prepaid interest, first (28 days)$3,560.66
Fees + prepaids$19,893.91
Your down payment is the seller’s equity. You take over the $714,088 balance, so the rest of the $774,900 price is paid at closing. A second mortgage can cover part of it. $80,705.57 is due at closing. Uses and sources reconcile at $794,793.91 each. Not a Closing Disclosure.