Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$593,478Cash toward the purchase price.
Closing costs + prepaids$16,685Not just lender fees.
Before credits & paid funds$610,163The complete starting cash picture.
Estimated remaining funds due at closing
$610,163No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$593,477.97
Your down payment$593,477.97
Closing costs + prepaids$16,685.48
Total buyer cash needed$610,163.45
Remaining funds due$610,163.45
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)$1,000.00
Prepaid interest, first (17 days)$461.48
Fees + prepaids$16,685.48
Your down payment is the seller’s equity. You take over the $206,422 balance, so the rest of the $799,900 price is paid at closing. A second mortgage can cover part of it. $610,163.45 is due at closing. Uses and sources reconcile at $816,585.48 each. Not a Closing Disclosure.