Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$575,019Cash toward the purchase price.
Closing costs + prepaids$17,627Not just lender fees.
Before credits & paid funds$592,646The complete starting cash picture.
Estimated remaining funds due at closing
$592,646No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$575,018.61
Your down payment$575,018.61
Closing costs + prepaids$17,627.43
Total buyer cash needed$592,646.04
Remaining funds due$592,646.04
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,999.00
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)$1,999.75
Prepaid interest, first (18 days)$403.68
Fees + prepaids$17,627.43
Your down payment is the seller’s equity. You take over the $224,881 balance, so the rest of the $799,900 price is paid at closing. A second mortgage can cover part of it. $592,646.04 is due at closing. Uses and sources reconcile at $817,527.43 each. Not a Closing Disclosure.