Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$85,700Cash toward the purchase price.
Closing costs + prepaids$19,727Not just lender fees.
Before credits & paid funds$105,428The complete starting cash picture.
Estimated remaining funds due at closing
$105,428No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,700.37
Your down payment$85,700.37
Closing costs + prepaids$19,727.48
Total buyer cash needed$105,427.85
Remaining funds due$105,427.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,399.99
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)$1,850.00
Prepaid interest, first (27 days)$3,252.49
Fees + prepaids$19,727.48
Your down payment is the seller’s equity. You take over the $654,299 balance, so the rest of the $739,999 price is paid at closing. A second mortgage can cover part of it. $105,427.85 is due at closing. Uses and sources reconcile at $759,726.48 each. Not a Closing Disclosure.