Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$61,773Cash toward the purchase price.
Closing costs + prepaids$22,636Not just lender fees.
Before credits & paid funds$84,409The complete starting cash picture.
Estimated remaining funds due at closing
$84,409No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,773.34
Your down payment$61,773.34
Closing costs + prepaids$22,636.03
Total buyer cash needed$84,409.37
Remaining funds due$84,409.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,799.00
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)$2,199.75
Prepaid interest, first (31 days)$4,412.28
Fees + prepaids$22,636.03
Your down payment is the seller’s equity. You take over the $818,127 balance, so the rest of the $879,900 price is paid at closing. A second mortgage can cover part of it. $84,409.37 is due at closing. Uses and sources reconcile at $902,536.03 each. Not a Closing Disclosure.