Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$74,722Cash toward the purchase price.
Closing costs + prepaids$16,843Not just lender fees.
Before credits & paid funds$91,565The complete starting cash picture.
Estimated remaining funds due at closing
$91,565No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,721.79
Your down payment$74,721.79
Closing costs + prepaids$16,843.17
Total buyer cash needed$91,564.95
Remaining funds due$91,564.95
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)$1,261.25
Initial HOA (3 months)$225.00
Prepaid interest, first (1 days)$132.92
Fees + prepaids$16,843.17
Your down payment is the seller’s equity. You take over the $725,178 balance, so the rest of the $799,900 price is paid at closing. A second mortgage can cover part of it. $91,564.95 is due at closing. Uses and sources reconcile at $816,743.17 each. Not a Closing Disclosure.