Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$84,991Cash toward the purchase price.
Closing costs + prepaids$19,936Not just lender fees.
Before credits & paid funds$104,927The complete starting cash picture.
Estimated remaining funds due at closing
$104,927No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,990.82
Your down payment$84,990.82
Closing costs + prepaids$19,936.10
Total buyer cash needed$104,926.91
Remaining funds due$104,926.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,990.00
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)$1,318.50
Prepaid interest, first (26 days)$3,402.60
Fees + prepaids$19,936.10
Your down payment is the seller’s equity. You take over the $714,009 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $104,926.91 is due at closing. Uses and sources reconcile at $818,936.10 each. Not a Closing Disclosure.