Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$122,979Cash toward the purchase price.
Closing costs + prepaids$21,178Not just lender fees.
Before credits & paid funds$144,157The complete starting cash picture.
Estimated remaining funds due at closing
$144,157No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,979.41
Your down payment$122,979.41
Closing costs + prepaids$21,177.79
Total buyer cash needed$144,157.21
Remaining funds due$144,157.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,700.00
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)$1,925.00
Initial HOA (3 months)$1,332.00
Prepaid interest, first (26 days)$2,995.79
Fees + prepaids$21,177.79
Your down payment is the seller’s equity. You take over the $647,021 balance, so the rest of the $770,000 price is paid at closing. A second mortgage can cover part of it. $144,157.21 is due at closing. Uses and sources reconcile at $791,177.79 each. Not a Closing Disclosure.