Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$73,722Cash toward the purchase price.
Closing costs + prepaids$22,704Not just lender fees.
Before credits & paid funds$96,427The complete starting cash picture.
Estimated remaining funds due at closing
$96,427No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,722.06
Your down payment$73,722.06
Closing costs + prepaids$22,704.45
Total buyer cash needed$96,426.51
Remaining funds due$96,426.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,890.00
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)$2,222.50
Initial HOA (3 months)$486.00
Prepaid interest, first (25 days)$3,880.95
Fees + prepaids$22,704.45
Your down payment is the seller’s equity. You take over the $815,278 balance, so the rest of the $889,000 price is paid at closing. A second mortgage can cover part of it. $96,426.51 is due at closing. Uses and sources reconcile at $911,704.45 each. Not a Closing Disclosure.