Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$65,902Cash toward the purchase price.
Closing costs + prepaids$21,321Not just lender fees.
Before credits & paid funds$87,223The complete starting cash picture.
Estimated remaining funds due at closing
$87,223No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,901.91
Your down payment$65,901.91
Closing costs + prepaids$21,321.20
Total buyer cash needed$87,223.11
Remaining funds due$87,223.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,299.00
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)$2,074.75
Prepaid interest, first (26 days)$3,722.45
Fees + prepaids$21,321.20
Your down payment is the seller’s equity. You take over the $763,998 balance, so the rest of the $829,900 price is paid at closing. A second mortgage can cover part of it. $87,223.11 is due at closing. Uses and sources reconcile at $851,221.20 each. Not a Closing Disclosure.