Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$83,138Cash toward the purchase price.
Closing costs + prepaids$19,957Not just lender fees.
Before credits & paid funds$103,096The complete starting cash picture.
Estimated remaining funds due at closing
$103,096No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,138.41
Your down payment$83,138.41
Closing costs + prepaids$19,957.32
Total buyer cash needed$103,095.73
Remaining funds due$103,095.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,350.00
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)$858.25
Prepaid interest, first (26 days)$3,524.07
Fees + prepaids$19,957.32
Your down payment is the seller’s equity. You take over the $751,862 balance, so the rest of the $835,000 price is paid at closing. A second mortgage can cover part of it. $103,095.73 is due at closing. Uses and sources reconcile at $854,957.32 each. Not a Closing Disclosure.