Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$47,746Cash toward the purchase price.
Closing costs + prepaids$18,961Not just lender fees.
Before credits & paid funds$66,707The complete starting cash picture.
Estimated remaining funds due at closing
$66,707No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,745.60
Your down payment$47,745.60
Closing costs + prepaids$18,961.38
Total buyer cash needed$66,706.97
Remaining funds due$66,706.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,890.00
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)$1,104.75
Prepaid interest, first (24 days)$2,741.63
Fees + prepaids$18,961.38
Your down payment is the seller’s equity. You take over the $741,254 balance, so the rest of the $789,000 price is paid at closing. A second mortgage can cover part of it. $66,706.97 is due at closing. Uses and sources reconcile at $807,961.38 each. Not a Closing Disclosure.