Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$779,173Cash toward the purchase price.
Closing costs + prepaids$17,144Not just lender fees.
Before credits & paid funds$796,317The complete starting cash picture.
Estimated remaining funds due at closing
$796,317No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$779,173.29
Your down payment$779,173.29
Closing costs + prepaids$17,143.53
Total buyer cash needed$796,316.81
Remaining funds due$796,316.81
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)$1,975.00
Prepaid interest, first (22 days)$43.53
Fees + prepaids$17,143.53
Your down payment is the seller’s equity. You take over the $10,827 balance, so the rest of the $790,000 price is paid at closing. A second mortgage can cover part of it. $796,316.81 is due at closing. Uses and sources reconcile at $807,143.53 each. Not a Closing Disclosure.