Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$727,174Cash toward the purchase price.
Closing costs + prepaids$16,364Not just lender fees.
Before credits & paid funds$743,538The complete starting cash picture.
Estimated remaining funds due at closing
$743,538No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$727,174.38
Your down payment$727,174.38
Closing costs + prepaids$16,363.75
Total buyer cash needed$743,538.13
Remaining funds due$743,538.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,000.00
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)$733.00
Prepaid interest, first (31 days)$405.75
Fees + prepaids$16,363.75
Your down payment is the seller’s equity. You take over the $72,826 balance, so the rest of the $800,000 price is paid at closing. A second mortgage can cover part of it. $743,538.13 is due at closing. Uses and sources reconcile at $816,363.75 each. Not a Closing Disclosure.