Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$73,183Cash toward the purchase price.
Closing costs + prepaids$19,758Not just lender fees.
Before credits & paid funds$92,941The complete starting cash picture.
Estimated remaining funds due at closing
$92,941No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,183.08
Your down payment$73,183.08
Closing costs + prepaids$19,757.99
Total buyer cash needed$92,941.06
Remaining funds due$92,941.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,790.00
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)$1,116.25
Prepaid interest, first (31 days)$3,626.74
Fees + prepaids$19,757.99
Your down payment is the seller’s equity. You take over the $705,817 balance, so the rest of the $779,000 price is paid at closing. A second mortgage can cover part of it. $92,941.06 is due at closing. Uses and sources reconcile at $798,757.99 each. Not a Closing Disclosure.