Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$604,479Cash toward the purchase price.
Closing costs + prepaids$17,799Not just lender fees.
Before credits & paid funds$622,278The complete starting cash picture.
Estimated remaining funds due at closing
$622,278No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$604,479.12
Your down payment$604,479.12
Closing costs + prepaids$17,799.22
Total buyer cash needed$622,278.34
Remaining funds due$622,278.34
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 (28 days)$580.47
Fees + prepaids$17,799.22
Your down payment is the seller’s equity. You take over the $195,021 balance, so the rest of the $799,500 price is paid at closing. A second mortgage can cover part of it. $622,278.34 is due at closing. Uses and sources reconcile at $817,299.22 each. Not a Closing Disclosure.