Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$752,848Cash toward the purchase price.
Closing costs + prepaids$18,792Not just lender fees.
Before credits & paid funds$771,640The complete starting cash picture.
Estimated remaining funds due at closing
$771,640No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$752,848.10
Your down payment$752,848.10
Closing costs + prepaids$18,791.59
Total buyer cash needed$771,639.69
Remaining funds due$771,639.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,799.99
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)$1,324.50
Prepaid interest, first (24 days)$442.10
Fees + prepaids$18,791.59
Your down payment is the seller’s equity. You take over the $227,151 balance, so the rest of the $979,999 price is paid at closing. A second mortgage can cover part of it. $771,639.69 is due at closing. Uses and sources reconcile at $998,790.59 each. Not a Closing Disclosure.