Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$53,575Cash toward the purchase price.
Closing costs + prepaids$20,810Not just lender fees.
Before credits & paid funds$74,385The complete starting cash picture.
Estimated remaining funds due at closing
$74,385No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,575.27
Your down payment$53,575.27
Closing costs + prepaids$20,810.10
Total buyer cash needed$74,385.37
Remaining funds due$74,385.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,290.00
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)$1,067.75
Initial HOA (3 months)$978.00
Prepaid interest, first (23 days)$3,249.35
Fees + prepaids$20,810.10
Your down payment is the seller’s equity. You take over the $775,425 balance, so the rest of the $829,000 price is paid at closing. A second mortgage can cover part of it. $74,385.37 is due at closing. Uses and sources reconcile at $849,810.10 each. Not a Closing Disclosure.