Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$23,359Cash toward the purchase price.
Closing costs + prepaids$20,846Not just lender fees.
Before credits & paid funds$44,204The complete starting cash picture.
Estimated remaining funds due at closing
$44,204No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,358.63
Your down payment$23,358.63
Closing costs + prepaids$20,845.62
Total buyer cash needed$44,204.25
Remaining funds due$44,204.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,999.99
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)$2,000.00
Prepaid interest, first (24 days)$3,620.63
Fees + prepaids$20,845.62
Your down payment is the seller’s equity. You take over the $776,640 balance, so the rest of the $799,999 price is paid at closing. A second mortgage can cover part of it. $44,204.25 is due at closing. Uses and sources reconcile at $820,844.62 each. Not a Closing Disclosure.