Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$799,000Cash toward the purchase price.
Closing costs + prepaids$17,213Not just lender fees.
Before credits & paid funds$816,212The complete starting cash picture.
Estimated remaining funds due at closing
$816,212No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$799,000.00
Your down payment$799,000.00
Closing costs + prepaids$17,212.50
Total buyer cash needed$816,212.50
Remaining funds due$816,212.50
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 (24 days)$0.00
Fees + prepaids$17,212.50
Your down payment is the seller’s equity. You take over the $0 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $816,212.50 is due at closing. Uses and sources reconcile at $816,212.50 each. Not a Closing Disclosure.