Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$620,010Cash toward the purchase price.
Closing costs + prepaids$17,020Not just lender fees.
Before credits & paid funds$637,030The complete starting cash picture.
Estimated remaining funds due at closing
$637,030No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$620,009.57
Your down payment$620,009.57
Closing costs + prepaids$17,020.02
Total buyer cash needed$637,029.59
Remaining funds due$637,029.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,980.00
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)$1,290.50
Initial HOA (3 months)$80.76
Prepaid interest, first (28 days)$443.76
Fees + prepaids$17,020.02
Your down payment is the seller’s equity. You take over the $177,990 balance, so the rest of the $798,000 price is paid at closing. A second mortgage can cover part of it. $637,029.59 is due at closing. Uses and sources reconcile at $815,020.02 each. Not a Closing Disclosure.