Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$760,673Cash toward the purchase price.
Closing costs + prepaids$18,830Not just lender fees.
Before credits & paid funds$779,503The complete starting cash picture.
Estimated remaining funds due at closing
$779,503No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$760,672.73
Your down payment$760,672.73
Closing costs + prepaids$18,829.84
Total buyer cash needed$779,502.58
Remaining funds due$779,502.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,990.00
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)$2,247.50
Prepaid interest, first (27 days)$367.34
Fees + prepaids$18,829.84
Your down payment is the seller’s equity. You take over the $138,327 balance, so the rest of the $899,000 price is paid at closing. A second mortgage can cover part of it. $779,502.58 is due at closing. Uses and sources reconcile at $917,829.84 each. Not a Closing Disclosure.