Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$131,929Cash toward the purchase price.
Closing costs + prepaids$20,665Not just lender fees.
Before credits & paid funds$152,594The complete starting cash picture.
Estimated remaining funds due at closing
$152,594No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$131,928.99
Your down payment$131,928.99
Closing costs + prepaids$20,664.53
Total buyer cash needed$152,593.52
Remaining funds due$152,593.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,999.98
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)$2,000.00
Prepaid interest, first (27 days)$3,439.55
Fees + prepaids$20,664.53
Your down payment is the seller’s equity. You take over the $668,069 balance, so the rest of the $799,998 price is paid at closing. A second mortgage can cover part of it. $152,593.52 is due at closing. Uses and sources reconcile at $820,662.53 each. Not a Closing Disclosure.