Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$54,597Cash toward the purchase price.
Closing costs + prepaids$21,367Not just lender fees.
Before credits & paid funds$75,965The complete starting cash picture.
Estimated remaining funds due at closing
$75,965No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,597.40
Your down payment$54,597.40
Closing costs + prepaids$21,367.12
Total buyer cash needed$75,964.53
Remaining funds due$75,964.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,249.99
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)$2,062.50
Prepaid interest, first (27 days)$3,829.63
Fees + prepaids$21,367.12
Your down payment is the seller’s equity. You take over the $770,402 balance, so the rest of the $824,999 price is paid at closing. A second mortgage can cover part of it. $75,964.53 is due at closing. Uses and sources reconcile at $846,366.12 each. Not a Closing Disclosure.