Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$54,225Cash toward the purchase price.
Closing costs + prepaids$21,636Not just lender fees.
Before credits & paid funds$75,861The complete starting cash picture.
Estimated remaining funds due at closing
$75,861No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,224.62
Your down payment$54,224.62
Closing costs + prepaids$21,636.12
Total buyer cash needed$75,860.74
Remaining funds due$75,860.74
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,399.50
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)$2,100.00
Prepaid interest, first (27 days)$3,911.62
Fees + prepaids$21,636.12
Your down payment is the seller’s equity. You take over the $785,725 balance, so the rest of the $839,950 price is paid at closing. A second mortgage can cover part of it. $75,860.74 is due at closing. Uses and sources reconcile at $861,586.12 each. Not a Closing Disclosure.