Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$736,054Cash toward the purchase price.
Closing costs + prepaids$17,798Not just lender fees.
Before credits & paid funds$753,852The complete starting cash picture.
Estimated remaining funds due at closing
$753,852No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$736,054.44
Your down payment$736,054.44
Closing costs + prepaids$17,797.71
Total buyer cash needed$753,852.15
Remaining funds due$753,852.15
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)$1,491.50
Initial HOA (3 months)$1,080.00
Prepaid interest, first (1 days)$11.21
Fees + prepaids$17,797.71
Your down payment is the seller’s equity. You take over the $62,946 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $753,852.15 is due at closing. Uses and sources reconcile at $816,797.71 each. Not a Closing Disclosure.