Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$69,481Cash toward the purchase price.
Closing costs + prepaids$19,140Not just lender fees.
Before credits & paid funds$88,621The complete starting cash picture.
Estimated remaining funds due at closing
$88,621No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,480.97
Your down payment$69,480.97
Closing costs + prepaids$19,139.73
Total buyer cash needed$88,620.70
Remaining funds due$88,620.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,650.00
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)$802.00
Prepaid interest, first (28 days)$3,462.73
Fees + prepaids$19,139.73
Your down payment is the seller’s equity. You take over the $695,519 balance, so the rest of the $765,000 price is paid at closing. A second mortgage can cover part of it. $88,620.70 is due at closing. Uses and sources reconcile at $784,139.73 each. Not a Closing Disclosure.