Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$763,433Cash toward the purchase price.
Closing costs + prepaids$17,954Not just lender fees.
Before credits & paid funds$781,387The complete starting cash picture.
Estimated remaining funds due at closing
$781,387No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$763,433.11
Your down payment$763,433.11
Closing costs + prepaids$17,953.51
Total buyer cash needed$781,386.63
Remaining funds due$781,386.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,996.00
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)$1,099.00
Initial HOA (3 months)$393.00
Prepaid interest, first (21 days)$240.51
Fees + prepaids$17,953.51
Your down payment is the seller’s equity. You take over the $136,167 balance, so the rest of the $899,600 price is paid at closing. A second mortgage can cover part of it. $781,386.63 is due at closing. Uses and sources reconcile at $917,553.51 each. Not a Closing Disclosure.