Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$76,981Cash toward the purchase price.
Closing costs + prepaids$20,637Not just lender fees.
Before credits & paid funds$97,618The complete starting cash picture.
Estimated remaining funds due at closing
$97,618No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,980.66
Your down payment$76,980.66
Closing costs + prepaids$20,636.90
Total buyer cash needed$97,617.57
Remaining funds due$97,617.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,490.00
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)$2,122.50
Initial HOA (3 months)$330.00
Prepaid interest, first (25 days)$2,469.40
Fees + prepaids$20,636.90
Your down payment is the seller’s equity. You take over the $772,019 balance, so the rest of the $849,000 price is paid at closing. A second mortgage can cover part of it. $97,617.57 is due at closing. Uses and sources reconcile at $869,636.90 each. Not a Closing Disclosure.