Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$577,320Cash toward the purchase price.
Closing costs + prepaids$16,484Not just lender fees.
Before credits & paid funds$593,805The complete starting cash picture.
Estimated remaining funds due at closing
$593,805No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$577,320.44
Your down payment$577,320.44
Closing costs + prepaids$16,484.28
Total buyer cash needed$593,804.72
Remaining funds due$593,804.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,949.00
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)$993.75
Prepaid interest, first (15 days)$316.53
Fees + prepaids$16,484.28
Your down payment is the seller’s equity. You take over the $217,580 balance, so the rest of the $794,900 price is paid at closing. A second mortgage can cover part of it. $593,804.72 is due at closing. Uses and sources reconcile at $811,384.28 each. Not a Closing Disclosure.