Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$238,395Cash toward the purchase price.
Closing costs + prepaids$19,193Not just lender fees.
Before credits & paid funds$257,588The complete starting cash picture.
Estimated remaining funds due at closing
$257,588No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$238,395.12
Your down payment$238,395.12
Closing costs + prepaids$19,193.00
Total buyer cash needed$257,588.12
Remaining funds due$257,588.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,750.00
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)$1,937.50
Prepaid interest, first (28 days)$2,280.50
Fees + prepaids$19,193.00
Your down payment is the seller’s equity. You take over the $536,605 balance, so the rest of the $775,000 price is paid at closing. A second mortgage can cover part of it. $257,588.12 is due at closing. Uses and sources reconcile at $794,193.00 each. Not a Closing Disclosure.