Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$692,811Cash toward the purchase price.
Closing costs + prepaids$17,560Not just lender fees.
Before credits & paid funds$710,370The complete starting cash picture.
Estimated remaining funds due at closing
$710,370No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$692,810.51
Your down payment$692,810.51
Closing costs + prepaids$17,559.61
Total buyer cash needed$710,370.12
Remaining funds due$710,370.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,000.00
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)$2,000.00
Prepaid interest, first (27 days)$334.61
Fees + prepaids$17,559.61
Your down payment is the seller’s equity. You take over the $107,189 balance, so the rest of the $800,000 price is paid at closing. A second mortgage can cover part of it. $710,370.12 is due at closing. Uses and sources reconcile at $817,559.61 each. Not a Closing Disclosure.