Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$134,713Cash toward the purchase price.
Closing costs + prepaids$21,549Not just lender fees.
Before credits & paid funds$156,262The complete starting cash picture.
Estimated remaining funds due at closing
$156,262No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,713.02
Your down payment$134,713.02
Closing costs + prepaids$21,549.07
Total buyer cash needed$156,262.09
Remaining funds due$156,262.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,850.00
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)$1,962.50
Initial HOA (3 months)$1,320.00
Prepaid interest, first (26 days)$3,191.57
Fees + prepaids$21,549.07
Your down payment is the seller’s equity. You take over the $650,287 balance, so the rest of the $785,000 price is paid at closing. A second mortgage can cover part of it. $156,262.09 is due at closing. Uses and sources reconcile at $806,549.07 each. Not a Closing Disclosure.