Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$90,666Cash toward the purchase price.
Closing costs + prepaids$20,061Not just lender fees.
Before credits & paid funds$110,728The complete starting cash picture.
Estimated remaining funds due at closing
$110,728No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,666.43
Your down payment$90,666.43
Closing costs + prepaids$20,061.21
Total buyer cash needed$110,727.64
Remaining funds due$110,727.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,749.76
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)$1,937.50
Prepaid interest, first (26 days)$3,148.95
Fees + prepaids$20,061.21
Your down payment is the seller’s equity. You take over the $684,310 balance, so the rest of the $774,976 price is paid at closing. A second mortgage can cover part of it. $110,727.64 is due at closing. Uses and sources reconcile at $795,037.21 each. Not a Closing Disclosure.