Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$94,743Cash toward the purchase price.
Closing costs + prepaids$19,776Not just lender fees.
Before credits & paid funds$114,519The complete starting cash picture.
Estimated remaining funds due at closing
$114,519No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,742.62
Your down payment$94,742.62
Closing costs + prepaids$19,776.30
Total buyer cash needed$114,518.91
Remaining funds due$114,518.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,650.00
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)$1,912.50
Prepaid interest, first (26 days)$2,988.80
Fees + prepaids$19,776.30
Your down payment is the seller’s equity. You take over the $670,257 balance, so the rest of the $765,000 price is paid at closing. A second mortgage can cover part of it. $114,518.91 is due at closing. Uses and sources reconcile at $784,776.30 each. Not a Closing Disclosure.