Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$95,343Cash toward the purchase price.
Closing costs + prepaids$19,336Not just lender fees.
Before credits & paid funds$114,680The complete starting cash picture.
Estimated remaining funds due at closing
$114,680No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,343.45
Your down payment$95,343.45
Closing costs + prepaids$19,336.18
Total buyer cash needed$114,679.63
Remaining funds due$114,679.63
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
Initial HOA (3 months)$630.00
Prepaid interest, first (26 days)$1,493.68
Fees + prepaids$19,336.18
Your down payment is the seller’s equity. You take over the $703,657 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $114,679.63 is due at closing. Uses and sources reconcile at $818,336.18 each. Not a Closing Disclosure.