Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$756,737Cash toward the purchase price.
Closing costs + prepaids$17,227Not just lender fees.
Before credits & paid funds$773,964The complete starting cash picture.
Estimated remaining funds due at closing
$773,964No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$756,737.17
Your down payment$756,737.17
Closing costs + prepaids$17,226.56
Total buyer cash needed$773,963.73
Remaining funds due$773,963.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,890.00
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)$1,972.50
Prepaid interest, first (23 days)$139.06
Fees + prepaids$17,226.56
Your down payment is the seller’s equity. You take over the $32,263 balance, so the rest of the $789,000 price is paid at closing. A second mortgage can cover part of it. $773,963.73 is due at closing. Uses and sources reconcile at $806,226.56 each. Not a Closing Disclosure.