Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$484,759Cash toward the purchase price.
Closing costs + prepaids$16,317Not just lender fees.
Before credits & paid funds$501,076The complete starting cash picture.
Estimated remaining funds due at closing
$501,076No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$484,759.31
Your down payment$484,759.31
Closing costs + prepaids$16,317.10
Total buyer cash needed$501,076.41
Remaining funds due$501,076.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,840.00
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)$675.75
Prepaid interest, first (19 days)$576.35
Fees + prepaids$16,317.10
Your down payment is the seller’s equity. You take over the $299,241 balance, so the rest of the $784,000 price is paid at closing. A second mortgage can cover part of it. $501,076.41 is due at closing. Uses and sources reconcile at $800,317.10 each. Not a Closing Disclosure.