Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$333,370Cash toward the purchase price.
Closing costs + prepaids$18,190Not just lender fees.
Before credits & paid funds$351,560The complete starting cash picture.
Estimated remaining funds due at closing
$351,560No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$333,369.66
Your down payment$333,369.66
Closing costs + prepaids$18,190.33
Total buyer cash needed$351,559.98
Remaining funds due$351,559.98
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)$495.75
Prepaid interest, first (31 days)$2,479.58
Fees + prepaids$18,190.33
Your down payment is the seller’s equity. You take over the $465,630 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $351,559.98 is due at closing. Uses and sources reconcile at $817,190.33 each. Not a Closing Disclosure.