Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$304,992Cash toward the purchase price.
Closing costs + prepaids$18,231Not just lender fees.
Before credits & paid funds$323,223The complete starting cash picture.
Estimated remaining funds due at closing
$323,223No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$304,992.01
Your down payment$304,992.01
Closing costs + prepaids$18,230.54
Total buyer cash needed$323,222.55
Remaining funds due$323,222.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,990.00
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)$781.00
Prepaid interest, first (26 days)$2,234.54
Fees + prepaids$18,230.54
Your down payment is the seller’s equity. You take over the $494,008 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $323,222.55 is due at closing. Uses and sources reconcile at $817,230.54 each. Not a Closing Disclosure.