Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$83,105Cash toward the purchase price.
Closing costs + prepaids$21,332Not just lender fees.
Before credits & paid funds$104,437The complete starting cash picture.
Estimated remaining funds due at closing
$104,437No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,104.79
Your down payment$83,104.79
Closing costs + prepaids$21,332.21
Total buyer cash needed$104,437.01
Remaining funds due$104,437.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,999.00
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)$1,999.75
Initial HOA (3 months)$540.00
Prepaid interest, first (27 days)$3,568.46
Fees + prepaids$21,332.21
Your down payment is the seller’s equity. You take over the $716,795 balance, so the rest of the $799,900 price is paid at closing. A second mortgage can cover part of it. $104,437.01 is due at closing. Uses and sources reconcile at $821,232.21 each. Not a Closing Disclosure.