Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$475,256Cash toward the purchase price.
Closing costs + prepaids$17,216Not just lender fees.
Before credits & paid funds$492,472The complete starting cash picture.
Estimated remaining funds due at closing
$492,472No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$475,256.04
Your down payment$475,256.04
Closing costs + prepaids$17,215.81
Total buyer cash needed$492,471.85
Remaining funds due$492,471.85
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)$1,886.75
Prepaid interest, first (2 days)$114.06
Fees + prepaids$17,215.81
Your down payment is the seller’s equity. You take over the $323,744 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $492,471.85 is due at closing. Uses and sources reconcile at $816,215.81 each. Not a Closing Disclosure.