Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$481,502Cash toward the purchase price.
Closing costs + prepaids$16,280Not just lender fees.
Before credits & paid funds$497,783The complete starting cash picture.
Estimated remaining funds due at closing
$497,783No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$481,502.35
Your down payment$481,502.35
Closing costs + prepaids$16,280.27
Total buyer cash needed$497,782.62
Remaining funds due$497,782.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,730.00
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)$1,274.00
Prepaid interest, first (2 days)$51.27
Fees + prepaids$16,280.27
Your down payment is the seller’s equity. You take over the $291,498 balance, so the rest of the $773,000 price is paid at closing. A second mortgage can cover part of it. $497,782.62 is due at closing. Uses and sources reconcile at $789,280.27 each. Not a Closing Disclosure.