Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$756,701Cash toward the purchase price.
Closing costs + prepaids$17,100Not just lender fees.
Before credits & paid funds$773,800The complete starting cash picture.
Estimated remaining funds due at closing
$773,800No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$756,700.54
Your down payment$756,700.54
Closing costs + prepaids$17,099.61
Total buyer cash needed$773,800.15
Remaining funds due$773,800.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,890.00
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)$1,972.50
Prepaid interest, first (2 days)$12.11
Fees + prepaids$17,099.61
Your down payment is the seller’s equity. You take over the $32,299 balance, so the rest of the $789,000 price is paid at closing. A second mortgage can cover part of it. $773,800.15 is due at closing. Uses and sources reconcile at $806,099.61 each. Not a Closing Disclosure.