Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$83,754Cash toward the purchase price.
Closing costs + prepaids$17,626Not just lender fees.
Before credits & paid funds$101,380The complete starting cash picture.
Estimated remaining funds due at closing
$101,380No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,753.74
Your down payment$83,753.74
Closing costs + prepaids$17,626.40
Total buyer cash needed$101,380.14
Remaining funds due$101,380.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,449.00
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)$1,014.00
Prepaid interest, first (12 days)$938.40
Fees + prepaids$17,626.40
Your down payment is the seller’s equity. You take over the $761,146 balance, so the rest of the $844,900 price is paid at closing. A second mortgage can cover part of it. $101,380.14 is due at closing. Uses and sources reconcile at $862,526.40 each. Not a Closing Disclosure.