Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$62,858Cash toward the purchase price.
Closing costs + prepaids$20,066Not just lender fees.
Before credits & paid funds$82,924The complete starting cash picture.
Estimated remaining funds due at closing
$82,924No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,857.62
Your down payment$62,857.62
Closing costs + prepaids$20,066.04
Total buyer cash needed$82,923.65
Remaining funds due$82,923.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,649.00
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)$1,912.25
Prepaid interest, first (28 days)$3,279.79
Fees + prepaids$20,066.04
Your down payment is the seller’s equity. You take over the $702,042 balance, so the rest of the $764,900 price is paid at closing. A second mortgage can cover part of it. $82,923.65 is due at closing. Uses and sources reconcile at $784,966.04 each. Not a Closing Disclosure.