Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$89,719Cash toward the purchase price.
Closing costs + prepaids$20,861Not just lender fees.
Before credits & paid funds$110,580The complete starting cash picture.
Estimated remaining funds due at closing
$110,580No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$89,718.83
Your down payment$89,718.83
Closing costs + prepaids$20,861.38
Total buyer cash needed$110,580.20
Remaining funds due$110,580.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,800.00
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)$1,950.00
Prepaid interest, first (30 days)$3,886.38
Fees + prepaids$20,861.38
Your down payment is the seller’s equity. You take over the $690,281 balance, so the rest of the $780,000 price is paid at closing. A second mortgage can cover part of it. $110,580.20 is due at closing. Uses and sources reconcile at $800,861.38 each. Not a Closing Disclosure.