Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$231,874Cash toward the purchase price.
Closing costs + prepaids$18,604Not just lender fees.
Before credits & paid funds$250,478The complete starting cash picture.
Estimated remaining funds due at closing
$250,478No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$231,874.46
Your down payment$231,874.46
Closing costs + prepaids$18,603.62
Total buyer cash needed$250,478.08
Remaining funds due$250,478.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,099.00
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)$2,024.75
Prepaid interest, first (28 days)$1,254.87
Fees + prepaids$18,603.62
Your down payment is the seller’s equity. You take over the $578,026 balance, so the rest of the $809,900 price is paid at closing. A second mortgage can cover part of it. $250,478.08 is due at closing. Uses and sources reconcile at $828,503.62 each. Not a Closing Disclosure.