Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$84,991Cash toward the purchase price.
Closing costs + prepaids$18,308Not just lender fees.
Before credits & paid funds$103,298The complete starting cash picture.
Estimated remaining funds due at closing
$103,298No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,990.82
Your down payment$84,990.82
Closing costs + prepaids$18,307.66
Total buyer cash needed$103,298.47
Remaining funds due$103,298.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,990.00
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)$998.75
Prepaid interest, first (16 days)$2,093.91
Fees + prepaids$18,307.66
Your down payment is the seller’s equity. You take over the $714,009 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $103,298.47 is due at closing. Uses and sources reconcile at $817,307.66 each. Not a Closing Disclosure.