Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$145,799Cash toward the purchase price.
Closing costs + prepaids$20,070Not just lender fees.
Before credits & paid funds$165,869The complete starting cash picture.
Estimated remaining funds due at closing
$165,869No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,798.61
Your down payment$145,798.61
Closing costs + prepaids$20,070.31
Total buyer cash needed$165,868.93
Remaining funds due$165,868.93
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
Prepaid interest, first (25 days)$2,845.32
Fees + prepaids$20,070.31
Your down payment is the seller’s equity. You take over the $654,200 balance, so the rest of the $799,999 price is paid at closing. A second mortgage can cover part of it. $165,868.93 is due at closing. Uses and sources reconcile at $820,069.31 each. Not a Closing Disclosure.