Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$547,445Cash toward the purchase price.
Closing costs + prepaids$17,794Not just lender fees.
Before credits & paid funds$565,239The complete starting cash picture.
Estimated remaining funds due at closing
$565,239No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$547,445.40
Your down payment$547,445.40
Closing costs + prepaids$17,793.85
Total buyer cash needed$565,239.25
Remaining funds due$565,239.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,995.00
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)$1,998.75
Prepaid interest, first (24 days)$575.10
Fees + prepaids$17,793.85
Your down payment is the seller’s equity. You take over the $252,055 balance, so the rest of the $799,500 price is paid at closing. A second mortgage can cover part of it. $565,239.25 is due at closing. Uses and sources reconcile at $817,293.85 each. Not a Closing Disclosure.