Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$96,433Cash toward the purchase price.
Closing costs + prepaids$20,420Not just lender fees.
Before credits & paid funds$116,853The complete starting cash picture.
Estimated remaining funds due at closing
$116,853No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,433.33
Your down payment$96,433.33
Closing costs + prepaids$20,420.16
Total buyer cash needed$116,853.49
Remaining funds due$116,853.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,799.99
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)$1,950.00
Prepaid interest, first (28 days)$3,445.17
Fees + prepaids$20,420.16
Your down payment is the seller’s equity. You take over the $683,566 balance, so the rest of the $779,999 price is paid at closing. A second mortgage can cover part of it. $116,853.49 is due at closing. Uses and sources reconcile at $800,419.16 each. Not a Closing Disclosure.