Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$58,907Cash toward the purchase price.
Closing costs + prepaids$20,353Not just lender fees.
Before credits & paid funds$79,260The complete starting cash picture.
Estimated remaining funds due at closing
$79,260No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,906.88
Your down payment$58,906.88
Closing costs + prepaids$20,353.27
Total buyer cash needed$79,260.16
Remaining funds due$79,260.16
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)$1,117.25
Initial HOA (3 months)$465.00
Prepaid interest, first (26 days)$3,547.02
Fees + prepaids$20,353.27
Your down payment is the seller’s equity. You take over the $740,993 balance, so the rest of the $799,900 price is paid at closing. A second mortgage can cover part of it. $79,260.16 is due at closing. Uses and sources reconcile at $820,253.27 each. Not a Closing Disclosure.