Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$182,842Cash toward the purchase price.
Closing costs + prepaids$19,934Not just lender fees.
Before credits & paid funds$202,776The complete starting cash picture.
Estimated remaining funds due at closing
$202,776No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,841.69
Your down payment$182,841.69
Closing costs + prepaids$19,933.97
Total buyer cash needed$202,775.66
Remaining funds due$202,775.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,800.00
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)$1,326.75
Initial HOA (3 months)$174.00
Prepaid interest, first (28 days)$3,408.22
Fees + prepaids$19,933.97
Your down payment is the seller’s equity. You take over the $597,158 balance, so the rest of the $780,000 price is paid at closing. A second mortgage can cover part of it. $202,775.66 is due at closing. Uses and sources reconcile at $799,933.97 each. Not a Closing Disclosure.