Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$135,906Cash toward the purchase price.
Closing costs + prepaids$20,115Not just lender fees.
Before credits & paid funds$156,021The complete starting cash picture.
Estimated remaining funds due at closing
$156,021No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$135,906.12
Your down payment$135,906.12
Closing costs + prepaids$20,114.72
Total buyer cash needed$156,020.83
Remaining funds due$156,020.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,990.00
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)$1,829.50
Prepaid interest, first (26 days)$3,070.22
Fees + prepaids$20,114.72
Your down payment is the seller’s equity. You take over the $663,094 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $156,020.83 is due at closing. Uses and sources reconcile at $819,114.72 each. Not a Closing Disclosure.