Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$770,418Cash toward the purchase price.
Closing costs + prepaids$17,250Not just lender fees.
Before credits & paid funds$787,668The complete starting cash picture.
Estimated remaining funds due at closing
$787,668No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$770,418.18
Your down payment$770,418.18
Closing costs + prepaids$17,250.30
Total buyer cash needed$787,668.48
Remaining funds due$787,668.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,940.00
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)$1,985.00
Prepaid interest, first (23 days)$100.30
Fees + prepaids$17,250.30
Your down payment is the seller’s equity. You take over the $23,582 balance, so the rest of the $794,000 price is paid at closing. A second mortgage can cover part of it. $787,668.48 is due at closing. Uses and sources reconcile at $811,250.30 each. Not a Closing Disclosure.