Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$127,429Cash toward the purchase price.
Closing costs + prepaids$20,721Not just lender fees.
Before credits & paid funds$148,150The complete starting cash picture.
Estimated remaining funds due at closing
$148,150No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,428.64
Your down payment$127,428.64
Closing costs + prepaids$20,720.86
Total buyer cash needed$148,149.50
Remaining funds due$148,149.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,990.00
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)$1,997.50
Prepaid interest, first (28 days)$3,508.36
Fees + prepaids$20,720.86
Your down payment is the seller’s equity. You take over the $671,571 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $148,149.50 is due at closing. Uses and sources reconcile at $819,720.86 each. Not a Closing Disclosure.