Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$58,907Cash toward the purchase price.
Closing costs + prepaids$18,286Not just lender fees.
Before credits & paid funds$77,193The complete starting cash picture.
Estimated remaining funds due at closing
$77,193No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,906.88
Your down payment$58,906.88
Closing costs + prepaids$18,286.09
Total buyer cash needed$77,192.97
Remaining funds due$77,192.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,999.00
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)$960.00
Initial HOA (3 months)$465.00
Prepaid interest, first (12 days)$1,637.09
Fees + prepaids$18,286.09
Your down payment is the seller’s equity. You take over the $740,993 balance, so the rest of the $799,900 price is paid at closing. A second mortgage can cover part of it. $77,192.97 is due at closing. Uses and sources reconcile at $818,186.09 each. Not a Closing Disclosure.