Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$498,821Cash toward the purchase price.
Closing costs + prepaids$17,542Not just lender fees.
Before credits & paid funds$516,363The complete starting cash picture.
Estimated remaining funds due at closing
$516,363No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$498,820.83
Your down payment$498,820.83
Closing costs + prepaids$17,542.28
Total buyer cash needed$516,363.11
Remaining funds due$516,363.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,650.00
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)$1,912.50
Prepaid interest, first (25 days)$754.78
Fees + prepaids$17,542.28
Your down payment is the seller’s equity. You take over the $266,179 balance, so the rest of the $765,000 price is paid at closing. A second mortgage can cover part of it. $516,363.11 is due at closing. Uses and sources reconcile at $782,542.28 each. Not a Closing Disclosure.