Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$788,019Cash toward the purchase price.
Closing costs + prepaids$17,274Not just lender fees.
Before credits & paid funds$805,293The complete starting cash picture.
Estimated remaining funds due at closing
$805,293No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$788,019.13
Your down payment$788,019.13
Closing costs + prepaids$17,273.91
Total buyer cash needed$805,293.04
Remaining funds due$805,293.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,990.00
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)$1,997.50
Prepaid interest, first (28 days)$61.41
Fees + prepaids$17,273.91
Your down payment is the seller’s equity. You take over the $10,981 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $805,293.04 is due at closing. Uses and sources reconcile at $816,273.91 each. Not a Closing Disclosure.