Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$620,010Cash toward the purchase price.
Closing costs + prepaids$16,338Not just lender fees.
Before credits & paid funds$636,348The complete starting cash picture.
Estimated remaining funds due at closing
$636,348No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$620,009.57
Your down payment$620,009.57
Closing costs + prepaids$16,338.35
Total buyer cash needed$636,347.92
Remaining funds due$636,347.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,980.00
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)$957.50
Initial HOA (3 months)$80.76
Prepaid interest, first (6 days)$95.09
Fees + prepaids$16,338.35
Your down payment is the seller’s equity. You take over the $177,990 balance, so the rest of the $798,000 price is paid at closing. A second mortgage can cover part of it. $636,347.92 is due at closing. Uses and sources reconcile at $814,338.35 each. Not a Closing Disclosure.