Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$101,993Cash toward the purchase price.
Closing costs + prepaids$16,993Not just lender fees.
Before credits & paid funds$118,986The complete starting cash picture.
Estimated remaining funds due at closing
$118,986No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,993.42
Your down payment$101,993.42
Closing costs + prepaids$16,992.88
Total buyer cash needed$118,986.31
Remaining funds due$118,986.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,950.00
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)$954.00
Prepaid interest, first (7 days)$863.88
Fees + prepaids$16,992.88
Your down payment is the seller’s equity. You take over the $693,007 balance, so the rest of the $795,000 price is paid at closing. A second mortgage can cover part of it. $118,986.31 is due at closing. Uses and sources reconcile at $811,992.88 each. Not a Closing Disclosure.