Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$76,232Cash toward the purchase price.
Closing costs + prepaids$20,833Not just lender fees.
Before credits & paid funds$97,065The complete starting cash picture.
Estimated remaining funds due at closing
$97,065No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,232.27
Your down payment$76,232.27
Closing costs + prepaids$20,833.11
Total buyer cash needed$97,065.38
Remaining funds due$97,065.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,999.00
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)$1,999.75
Initial HOA (3 months)$336.00
Prepaid interest, first (26 days)$3,273.36
Fees + prepaids$20,833.11
Your down payment is the seller’s equity. You take over the $723,668 balance, so the rest of the $799,900 price is paid at closing. A second mortgage can cover part of it. $97,065.38 is due at closing. Uses and sources reconcile at $820,733.11 each. Not a Closing Disclosure.