Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$620,783Cash toward the purchase price.
Closing costs + prepaids$16,316Not just lender fees.
Before credits & paid funds$637,099The complete starting cash picture.
Estimated remaining funds due at closing
$637,099No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$620,782.97
Your down payment$620,782.97
Closing costs + prepaids$16,315.59
Total buyer cash needed$637,098.55
Remaining funds due$637,098.55
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)$1,087.50
Prepaid interest, first (1 days)$13.09
Fees + prepaids$16,315.59
Your down payment is the seller’s equity. You take over the $178,217 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $637,098.55 is due at closing. Uses and sources reconcile at $815,315.59 each. Not a Closing Disclosure.