Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$116,827Cash toward the purchase price.
Closing costs + prepaids$19,967Not just lender fees.
Before credits & paid funds$136,794The complete starting cash picture.
Estimated remaining funds due at closing
$136,794No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,826.89
Your down payment$116,826.89
Closing costs + prepaids$19,966.66
Total buyer cash needed$136,793.55
Remaining funds due$136,793.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,648.80
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 (26 days)$3,180.61
Fees + prepaids$19,966.66
Your down payment is the seller’s equity. You take over the $648,053 balance, so the rest of the $764,880 price is paid at closing. A second mortgage can cover part of it. $136,793.55 is due at closing. Uses and sources reconcile at $784,846.66 each. Not a Closing Disclosure.