Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$417,898Cash toward the purchase price.
Closing costs + prepaids$18,181Not just lender fees.
Before credits & paid funds$436,078The complete starting cash picture.
Estimated remaining funds due at closing
$436,078No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$417,897.60
Your down payment$417,897.60
Closing costs + prepaids$18,180.77
Total buyer cash needed$436,078.37
Remaining funds due$436,078.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,999.99
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)$755.50
Prepaid interest, first (31 days)$2,200.28
Fees + prepaids$18,180.77
Your down payment is the seller’s equity. You take over the $382,101 balance, so the rest of the $799,999 price is paid at closing. A second mortgage can cover part of it. $436,078.37 is due at closing. Uses and sources reconcile at $818,179.77 each. Not a Closing Disclosure.