Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$44,436Cash toward the purchase price.
Closing costs + prepaids$21,412Not just lender fees.
Before credits & paid funds$65,848The complete starting cash picture.
Estimated remaining funds due at closing
$65,848No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,435.72
Your down payment$44,435.72
Closing costs + prepaids$21,412.00
Total buyer cash needed$65,847.72
Remaining funds due$65,847.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,999.99
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)$2,000.00
Initial HOA (3 months)$297.00
Prepaid interest, first (27 days)$3,890.01
Fees + prepaids$21,412.00
Your down payment is the seller’s equity. You take over the $755,563 balance, so the rest of the $799,999 price is paid at closing. A second mortgage can cover part of it. $65,847.72 is due at closing. Uses and sources reconcile at $821,411.00 each. Not a Closing Disclosure.