Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$50,709Cash toward the purchase price.
Closing costs + prepaids$21,801Not just lender fees.
Before credits & paid funds$72,510The complete starting cash picture.
Estimated remaining funds due at closing
$72,510No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,709.04
Your down payment$50,709.04
Closing costs + prepaids$21,801.19
Total buyer cash needed$72,510.24
Remaining funds due$72,510.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,499.90
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)$2,125.00
Prepaid interest, first (26 days)$3,951.29
Fees + prepaids$21,801.19
Your down payment is the seller’s equity. You take over the $799,281 balance, so the rest of the $849,990 price is paid at closing. A second mortgage can cover part of it. $72,510.24 is due at closing. Uses and sources reconcile at $871,791.19 each. Not a Closing Disclosure.