Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$134,676Cash toward the purchase price.
Closing costs + prepaids$19,702Not just lender fees.
Before credits & paid funds$154,378The complete starting cash picture.
Estimated remaining funds due at closing
$154,378No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,676.07
Your down payment$134,676.07
Closing costs + prepaids$19,702.38
Total buyer cash needed$154,378.45
Remaining funds due$154,378.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,750.00
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)$1,937.50
Prepaid interest, first (27 days)$2,789.88
Fees + prepaids$19,702.38
Your down payment is the seller’s equity. You take over the $640,324 balance, so the rest of the $775,000 price is paid at closing. A second mortgage can cover part of it. $154,378.45 is due at closing. Uses and sources reconcile at $794,702.38 each. Not a Closing Disclosure.