Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$493,793Cash toward the purchase price.
Closing costs + prepaids$17,705Not just lender fees.
Before credits & paid funds$511,498The complete starting cash picture.
Estimated remaining funds due at closing
$511,498No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$493,793.08
Your down payment$493,793.08
Closing costs + prepaids$17,705.42
Total buyer cash needed$511,498.50
Remaining funds due$511,498.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,800.00
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)$1,950.00
Prepaid interest, first (27 days)$730.42
Fees + prepaids$17,705.42
Your down payment is the seller’s equity. You take over the $286,207 balance, so the rest of the $780,000 price is paid at closing. A second mortgage can cover part of it. $511,498.50 is due at closing. Uses and sources reconcile at $797,705.42 each. Not a Closing Disclosure.