Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$775,890Cash toward the purchase price.
Closing costs + prepaids$25,755Not just lender fees.
Before credits & paid funds$801,645The complete starting cash picture.
Estimated remaining funds due at closing
$801,645No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$775,890.34
Your down payment$775,890.34
Closing costs + prepaids$25,755.12
Total buyer cash needed$801,645.46
Remaining funds due$801,645.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$13,450.00
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)$3,362.50
Prepaid interest, first (27 days)$1,717.62
Fees + prepaids$25,755.12
Your down payment is the seller’s equity. You take over the $569,110 balance, so the rest of the $1,345,000 price is paid at closing. A second mortgage can cover part of it. $801,645.46 is due at closing. Uses and sources reconcile at $1,370,755.12 each. Not a Closing Disclosure.