Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$613,945Cash toward the purchase price.
Closing costs + prepaids$17,629Not just lender fees.
Before credits & paid funds$631,575The complete starting cash picture.
Estimated remaining funds due at closing
$631,575No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$613,945.30
Your down payment$613,945.30
Closing costs + prepaids$17,629.39
Total buyer cash needed$631,574.69
Remaining funds due$631,574.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,999.00
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)$1,376.00
Initial HOA (3 months)$330.00
Prepaid interest, first (24 days)$699.39
Fees + prepaids$17,629.39
Your down payment is the seller’s equity. You take over the $185,955 balance, so the rest of the $799,900 price is paid at closing. A second mortgage can cover part of it. $631,574.69 is due at closing. Uses and sources reconcile at $817,529.39 each. Not a Closing Disclosure.