Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$108,185Cash toward the purchase price.
Closing costs + prepaids$20,916Not just lender fees.
Before credits & paid funds$129,101The complete starting cash picture.
Estimated remaining funds due at closing
$129,101No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$108,185.02
Your down payment$108,185.02
Closing costs + prepaids$20,916.00
Total buyer cash needed$129,101.03
Remaining funds due$129,101.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,249.00
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)$2,062.25
Prepaid interest, first (26 days)$3,379.75
Fees + prepaids$20,916.00
Your down payment is the seller’s equity. You take over the $716,715 balance, so the rest of the $824,900 price is paid at closing. A second mortgage can cover part of it. $129,101.03 is due at closing. Uses and sources reconcile at $845,816.00 each. Not a Closing Disclosure.