Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$770,001Cash toward the purchase price.
Closing costs + prepaids$18,745Not just lender fees.
Before credits & paid funds$788,746The complete starting cash picture.
Estimated remaining funds due at closing
$788,746No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$770,001.44
Your down payment$770,001.44
Closing costs + prepaids$18,744.97
Total buyer cash needed$788,746.40
Remaining funds due$788,746.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,888.88
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)$2,250.00
Prepaid interest, first (26 days)$381.09
Fees + prepaids$18,744.97
Your down payment is the seller’s equity. You take over the $118,887 balance, so the rest of the $888,888 price is paid at closing. A second mortgage can cover part of it. $788,746.40 is due at closing. Uses and sources reconcile at $907,632.97 each. Not a Closing Disclosure.