Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$7,784Cash toward the purchase price.
Closing costs + prepaids$7,171Not just lender fees.
Before credits & paid funds$14,955The complete starting cash picture.
Estimated remaining funds due at closing
$14,955No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,784.44
Your down payment$7,784.44
Closing costs + prepaids$7,170.76
Total buyer cash needed$14,955.20
Remaining funds due$14,955.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$794.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$95.25
Prepaid interest, first (6 days)$56.51
Fees + prepaids$7,170.76
Your down payment is the seller’s equity. You take over the $71,616 balance, so the rest of the $79,400 price is paid at closing. A second mortgage can cover part of it. $14,955.20 is due at closing. Uses and sources reconcile at $86,570.76 each. Not a Closing Disclosure.