Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$753,185Cash toward the purchase price.
Closing costs + prepaids$16,706Not just lender fees.
Before credits & paid funds$769,891The complete starting cash picture.
Estimated remaining funds due at closing
$769,891No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$753,185.20
Your down payment$753,185.20
Closing costs + prepaids$16,706.30
Total buyer cash needed$769,891.49
Remaining funds due$769,891.49
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)$959.75
Initial HOA (3 months)$429.00
Prepaid interest, first (19 days)$102.55
Fees + prepaids$16,706.30
Your down payment is the seller’s equity. You take over the $45,815 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $769,891.49 is due at closing. Uses and sources reconcile at $815,706.30 each. Not a Closing Disclosure.