Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$312,976Cash toward the purchase price.
Closing costs + prepaids$18,300Not just lender fees.
Before credits & paid funds$331,275The complete starting cash picture.
Estimated remaining funds due at closing
$331,275No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$312,975.54
Your down payment$312,975.54
Closing costs + prepaids$18,299.91
Total buyer cash needed$331,275.45
Remaining funds due$331,275.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,775.00
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)$1,943.75
Prepaid interest, first (24 days)$1,356.16
Fees + prepaids$18,299.91
Your down payment is the seller’s equity. You take over the $464,524 balance, so the rest of the $777,500 price is paid at closing. A second mortgage can cover part of it. $331,275.45 is due at closing. Uses and sources reconcile at $795,799.91 each. Not a Closing Disclosure.