Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$83,453Cash toward the purchase price.
Closing costs + prepaids$17,951Not just lender fees.
Before credits & paid funds$101,404The complete starting cash picture.
Estimated remaining funds due at closing
$101,404No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,453.35
Your down payment$83,453.35
Closing costs + prepaids$17,951.06
Total buyer cash needed$101,404.41
Remaining funds due$101,404.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,850.00
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)$1,962.50
Initial HOA (3 months)$819.00
Prepaid interest, first (1 days)$94.56
Fees + prepaids$17,951.06
Your down payment is the seller’s equity. You take over the $701,547 balance, so the rest of the $785,000 price is paid at closing. A second mortgage can cover part of it. $101,404.41 is due at closing. Uses and sources reconcile at $802,951.06 each. Not a Closing Disclosure.