Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$133,158Cash toward the purchase price.
Closing costs + prepaids$20,200Not just lender fees.
Before credits & paid funds$153,358The complete starting cash picture.
Estimated remaining funds due at closing
$153,358No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,158.01
Your down payment$133,158.01
Closing costs + prepaids$20,200.35
Total buyer cash needed$153,358.36
Remaining funds due$153,358.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,800.00
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)$1,950.00
Prepaid interest, first (28 days)$3,225.35
Fees + prepaids$20,200.35
Your down payment is the seller’s equity. You take over the $646,842 balance, so the rest of the $780,000 price is paid at closing. A second mortgage can cover part of it. $153,358.36 is due at closing. Uses and sources reconcile at $800,200.35 each. Not a Closing Disclosure.