Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$58,048Cash toward the purchase price.
Closing costs + prepaids$22,413Not just lender fees.
Before credits & paid funds$80,460The complete starting cash picture.
Estimated remaining funds due at closing
$80,460No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,047.63
Your down payment$58,047.63
Closing costs + prepaids$22,412.63
Total buyer cash needed$80,460.27
Remaining funds due$80,460.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,189.00
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)$2,047.25
Initial HOA (3 months)$498.00
Prepaid interest, first (28 days)$4,453.38
Fees + prepaids$22,412.63
Your down payment is the seller’s equity. You take over the $760,852 balance, so the rest of the $818,900 price is paid at closing. A second mortgage can cover part of it. $80,460.27 is due at closing. Uses and sources reconcile at $841,312.63 each. Not a Closing Disclosure.