Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$70,815Cash toward the purchase price.
Closing costs + prepaids$17,052Not just lender fees.
Before credits & paid funds$87,867The complete starting cash picture.
Estimated remaining funds due at closing
$87,867No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,814.76
Your down payment$70,814.76
Closing costs + prepaids$17,052.29
Total buyer cash needed$87,867.05
Remaining funds due$87,867.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,900.00
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)$948.00
Initial HOA (3 months)$173.01
Prepaid interest, first (6 days)$806.28
Fees + prepaids$17,052.29
Your down payment is the seller’s equity. You take over the $719,185 balance, so the rest of the $790,000 price is paid at closing. A second mortgage can cover part of it. $87,867.05 is due at closing. Uses and sources reconcile at $807,052.29 each. Not a Closing Disclosure.