Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$612,176Cash toward the purchase price.
Closing costs + prepaids$17,742Not just lender fees.
Before credits & paid funds$629,918The complete starting cash picture.
Estimated remaining funds due at closing
$629,918No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$612,175.85
Your down payment$612,175.85
Closing costs + prepaids$17,742.46
Total buyer cash needed$629,918.31
Remaining funds due$629,918.31
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)$1,997.50
Initial HOA (3 months)$225.00
Prepaid interest, first (18 days)$304.96
Fees + prepaids$17,742.46
Your down payment is the seller’s equity. You take over the $186,824 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $629,918.31 is due at closing. Uses and sources reconcile at $816,742.46 each. Not a Closing Disclosure.