Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$137,303Cash toward the purchase price.
Closing costs + prepaids$20,235Not just lender fees.
Before credits & paid funds$157,538The complete starting cash picture.
Estimated remaining funds due at closing
$157,538No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$137,303.11
Your down payment$137,303.11
Closing costs + prepaids$20,234.54
Total buyer cash needed$157,537.65
Remaining funds due$157,537.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,990.00
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)$1,997.50
Initial HOA (3 months)$120.00
Prepaid interest, first (24 days)$2,902.04
Fees + prepaids$20,234.54
Your down payment is the seller’s equity. You take over the $661,697 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $157,537.65 is due at closing. Uses and sources reconcile at $819,234.54 each. Not a Closing Disclosure.