Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$298,270Cash toward the purchase price.
Closing costs + prepaids$17,274Not just lender fees.
Before credits & paid funds$315,543The complete starting cash picture.
Estimated remaining funds due at closing
$315,543No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$298,269.72
Your down payment$298,269.72
Closing costs + prepaids$17,273.69
Total buyer cash needed$315,543.40
Remaining funds due$315,543.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,000.00
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)$960.00
Prepaid interest, first (12 days)$1,088.69
Fees + prepaids$17,273.69
Your down payment is the seller’s equity. You take over the $501,730 balance, so the rest of the $800,000 price is paid at closing. A second mortgage can cover part of it. $315,543.40 is due at closing. Uses and sources reconcile at $817,273.69 each. Not a Closing Disclosure.