Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$97,537Cash toward the purchase price.
Closing costs + prepaids$21,248Not just lender fees.
Before credits & paid funds$118,785The complete starting cash picture.
Estimated remaining funds due at closing
$118,785No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,536.57
Your down payment$97,536.57
Closing costs + prepaids$21,248.26
Total buyer cash needed$118,784.83
Remaining funds due$118,784.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,050.00
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)$2,253.00
Initial HOA (3 months)$237.99
Prepaid interest, first (26 days)$3,482.27
Fees + prepaids$21,248.26
Your down payment is the seller’s equity. You take over the $707,463 balance, so the rest of the $805,000 price is paid at closing. A second mortgage can cover part of it. $118,784.83 is due at closing. Uses and sources reconcile at $826,248.26 each. Not a Closing Disclosure.