Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$254,215Cash toward the purchase price.
Closing costs + prepaids$17,420Not just lender fees.
Before credits & paid funds$271,635The complete starting cash picture.
Estimated remaining funds due at closing
$271,635No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$254,214.55
Your down payment$254,214.55
Closing costs + prepaids$17,420.02
Total buyer cash needed$271,634.57
Remaining funds due$271,634.57
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 (16 days)$1,196.02
Fees + prepaids$17,420.02
Your down payment is the seller’s equity. You take over the $545,685 balance, so the rest of the $799,900 price is paid at closing. A second mortgage can cover part of it. $271,634.57 is due at closing. Uses and sources reconcile at $817,320.02 each. Not a Closing Disclosure.