Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$245,213Cash toward the purchase price.
Closing costs + prepaids$17,401Not just lender fees.
Before credits & paid funds$262,614The complete starting cash picture.
Estimated remaining funds due at closing
$262,614No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$245,212.85
Your down payment$245,212.85
Closing costs + prepaids$17,400.88
Total buyer cash needed$262,613.73
Remaining funds due$262,613.73
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)$958.75
Prepaid interest, first (12 days)$1,227.13
Fees + prepaids$17,400.88
Your down payment is the seller’s equity. You take over the $553,787 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $262,613.73 is due at closing. Uses and sources reconcile at $816,400.88 each. Not a Closing Disclosure.