Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$64,381Cash toward the purchase price.
Closing costs + prepaids$17,852Not just lender fees.
Before credits & paid funds$82,233The complete starting cash picture.
Estimated remaining funds due at closing
$82,233No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,380.97
Your down payment$64,380.97
Closing costs + prepaids$17,852.04
Total buyer cash needed$82,233.01
Remaining funds due$82,233.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,599.00
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)$802.00
Prepaid interest, first (18 days)$2,226.04
Fees + prepaids$17,852.04
Your down payment is the seller’s equity. You take over the $695,519 balance, so the rest of the $759,900 price is paid at closing. A second mortgage can cover part of it. $82,233.01 is due at closing. Uses and sources reconcile at $777,752.04 each. Not a Closing Disclosure.