Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$746,040Cash toward the purchase price.
Closing costs + prepaids$21,791Not just lender fees.
Before credits & paid funds$767,831The complete starting cash picture.
Estimated remaining funds due at closing
$767,831No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$746,040.13
Your down payment$746,040.13
Closing costs + prepaids$21,791.16
Total buyer cash needed$767,831.29
Remaining funds due$767,831.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$10,779.00
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)$2,694.75
Prepaid interest, first (27 days)$1,092.41
Fees + prepaids$21,791.16
Your down payment is the seller’s equity. You take over the $331,860 balance, so the rest of the $1,077,900 price is paid at closing. A second mortgage can cover part of it. $767,831.29 is due at closing. Uses and sources reconcile at $1,099,691.16 each. Not a Closing Disclosure.