Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$91,644Cash toward the purchase price.
Closing costs + prepaids$21,461Not just lender fees.
Before credits & paid funds$113,105The complete starting cash picture.
Estimated remaining funds due at closing
$113,105No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,644.39
Your down payment$91,644.39
Closing costs + prepaids$21,460.71
Total buyer cash needed$113,105.10
Remaining funds due$113,105.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,300.00
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)$2,656.00
Prepaid interest, first (31 days)$3,279.71
Fees + prepaids$21,460.71
Your down payment is the seller’s equity. You take over the $738,356 balance, so the rest of the $830,000 price is paid at closing. A second mortgage can cover part of it. $113,105.10 is due at closing. Uses and sources reconcile at $851,460.71 each. Not a Closing Disclosure.