Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$475,639Cash toward the purchase price.
Closing costs + prepaids$18,412Not just lender fees.
Before credits & paid funds$494,051The complete starting cash picture.
Estimated remaining funds due at closing
$494,051No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$475,639.03
Your down payment$475,639.03
Closing costs + prepaids$18,411.94
Total buyer cash needed$494,050.97
Remaining funds due$494,050.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,990.00
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)$1,886.75
Prepaid interest, first (23 days)$1,310.19
Fees + prepaids$18,411.94
Your down payment is the seller’s equity. You take over the $323,361 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $494,050.97 is due at closing. Uses and sources reconcile at $817,411.94 each. Not a Closing Disclosure.