Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$82,270Cash toward the purchase price.
Closing costs + prepaids$16,725Not just lender fees.
Before credits & paid funds$98,995The complete starting cash picture.
Estimated remaining funds due at closing
$98,995No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,269.94
Your down payment$82,269.94
Closing costs + prepaids$16,725.20
Total buyer cash needed$98,995.15
Remaining funds due$98,995.15
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)$894.50
Prepaid interest, first (2 days)$156.70
Fees + prepaids$16,725.20
Your down payment is the seller’s equity. You take over the $762,630 balance, so the rest of the $844,900 price is paid at closing. A second mortgage can cover part of it. $98,995.15 is due at closing. Uses and sources reconcile at $861,625.20 each. Not a Closing Disclosure.