Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$417,897Cash toward the purchase price.
Closing costs + prepaids$17,471Not just lender fees.
Before credits & paid funds$435,368The complete starting cash picture.
Estimated remaining funds due at closing
$435,368No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$417,896.60
Your down payment$417,896.60
Closing costs + prepaids$17,470.99
Total buyer cash needed$435,367.59
Remaining funds due$435,367.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,999.98
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)$755.50
Prepaid interest, first (21 days)$1,490.51
Fees + prepaids$17,470.99
Your down payment is the seller’s equity. You take over the $382,101 balance, so the rest of the $799,998 price is paid at closing. A second mortgage can cover part of it. $435,367.59 is due at closing. Uses and sources reconcile at $817,468.99 each. Not a Closing Disclosure.