Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$133,783Cash toward the purchase price.
Closing costs + prepaids$18,087Not just lender fees.
Before credits & paid funds$151,870The complete starting cash picture.
Estimated remaining funds due at closing
$151,870No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,782.81
Your down payment$133,782.81
Closing costs + prepaids$18,087.46
Total buyer cash needed$151,870.28
Remaining funds due$151,870.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,799.00
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)$975.00
Prepaid interest, first (17 days)$2,088.46
Fees + prepaids$18,087.46
Your down payment is the seller’s equity. You take over the $646,117 balance, so the rest of the $779,900 price is paid at closing. A second mortgage can cover part of it. $151,870.28 is due at closing. Uses and sources reconcile at $797,987.46 each. Not a Closing Disclosure.