Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$544,008Cash toward the purchase price.
Closing costs + prepaids$21,016Not just lender fees.
Before credits & paid funds$565,024The complete starting cash picture.
Estimated remaining funds due at closing
$565,024No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$544,007.88
Your down payment$544,007.88
Closing costs + prepaids$21,016.04
Total buyer cash needed$565,023.93
Remaining funds due$565,023.93
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)$5,024.75
Prepaid interest, first (24 days)$776.29
Fees + prepaids$21,016.04
Your down payment is the seller’s equity. You take over the $254,992 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $565,023.93 is due at closing. Uses and sources reconcile at $820,016.04 each. Not a Closing Disclosure.