Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$194,155Cash toward the purchase price.
Closing costs + prepaids$19,834Not just lender fees.
Before credits & paid funds$213,988The complete starting cash picture.
Estimated remaining funds due at closing
$213,988No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$194,154.56
Your down payment$194,154.56
Closing costs + prepaids$19,833.60
Total buyer cash needed$213,988.17
Remaining funds due$213,988.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,800.00
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)$1,950.00
Prepaid interest, first (26 days)$2,858.60
Fees + prepaids$19,833.60
Your down payment is the seller’s equity. You take over the $585,845 balance, so the rest of the $780,000 price is paid at closing. A second mortgage can cover part of it. $213,988.17 is due at closing. Uses and sources reconcile at $799,833.60 each. Not a Closing Disclosure.