Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$178,422Cash toward the purchase price.
Closing costs + prepaids$20,545Not just lender fees.
Before credits & paid funds$198,967The complete starting cash picture.
Estimated remaining funds due at closing
$198,967No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,422.11
Your down payment$178,422.11
Closing costs + prepaids$20,544.55
Total buyer cash needed$198,966.67
Remaining funds due$198,966.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,799.00
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)$1,949.75
Prepaid interest, first (31 days)$3,570.80
Fees + prepaids$20,544.55
Your down payment is the seller’s equity. You take over the $601,478 balance, so the rest of the $779,900 price is paid at closing. A second mortgage can cover part of it. $198,966.67 is due at closing. Uses and sources reconcile at $800,444.55 each. Not a Closing Disclosure.