Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$564,629Cash toward the purchase price.
Closing costs + prepaids$16,718Not just lender fees.
Before credits & paid funds$581,347The complete starting cash picture.
Estimated remaining funds due at closing
$581,347No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$564,629.00
Your down payment$564,629.00
Closing costs + prepaids$16,718.18
Total buyer cash needed$581,347.18
Remaining funds due$581,347.18
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)$751.75
Initial HOA (3 months)$135.00
Prepaid interest, first (30 days)$616.43
Fees + prepaids$16,718.18
Your down payment is the seller’s equity. You take over the $234,371 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $581,347.18 is due at closing. Uses and sources reconcile at $815,718.18 each. Not a Closing Disclosure.