Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$451,364Cash toward the purchase price.
Closing costs + prepaids$16,952Not just lender fees.
Before credits & paid funds$468,316The complete starting cash picture.
Estimated remaining funds due at closing
$468,316No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$451,363.78
Your down payment$451,363.78
Closing costs + prepaids$16,952.10
Total buyer cash needed$468,315.88
Remaining funds due$468,315.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,679.00
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)$953.50
Initial HOA (3 months)$218.01
Prepaid interest, first (28 days)$876.59
Fees + prepaids$16,952.10
Your down payment is the seller’s equity. You take over the $316,536 balance, so the rest of the $767,900 price is paid at closing. A second mortgage can cover part of it. $468,315.88 is due at closing. Uses and sources reconcile at $784,852.10 each. Not a Closing Disclosure.