Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$221,688Cash toward the purchase price.
Closing costs + prepaids$19,659Not just lender fees.
Before credits & paid funds$241,347The complete starting cash picture.
Estimated remaining funds due at closing
$241,347No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,688.05
Your down payment$221,688.05
Closing costs + prepaids$19,658.67
Total buyer cash needed$241,346.72
Remaining funds due$241,346.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,790.00
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)$1,947.50
Prepaid interest, first (27 days)$2,696.17
Fees + prepaids$19,658.67
Your down payment is the seller’s equity. You take over the $557,312 balance, so the rest of the $779,000 price is paid at closing. A second mortgage can cover part of it. $241,346.72 is due at closing. Uses and sources reconcile at $798,658.67 each. Not a Closing Disclosure.