Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$65,498Cash toward the purchase price.
Closing costs + prepaids$20,108Not just lender fees.
Before credits & paid funds$85,607The complete starting cash picture.
Estimated remaining funds due at closing
$85,607No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,498.44
Your down payment$65,498.44
Closing costs + prepaids$20,108.15
Total buyer cash needed$85,606.59
Remaining funds due$85,606.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,690.00
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)$1,922.50
Initial HOA (3 months)$819.00
Prepaid interest, first (24 days)$2,451.65
Fees + prepaids$20,108.15
Your down payment is the seller’s equity. You take over the $703,502 balance, so the rest of the $769,000 price is paid at closing. A second mortgage can cover part of it. $85,606.59 is due at closing. Uses and sources reconcile at $789,108.15 each. Not a Closing Disclosure.