Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$201,663Cash toward the purchase price.
Closing costs + prepaids$19,165Not just lender fees.
Before credits & paid funds$220,828The complete starting cash picture.
Estimated remaining funds due at closing
$220,828No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,662.89
Your down payment$201,662.89
Closing costs + prepaids$19,164.72
Total buyer cash needed$220,827.61
Remaining funds due$220,827.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,850.00
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)$1,020.25
Initial HOA (3 months)$210.00
Prepaid interest, first (28 days)$2,859.47
Fees + prepaids$19,164.72
Your down payment is the seller’s equity. You take over the $583,337 balance, so the rest of the $785,000 price is paid at closing. A second mortgage can cover part of it. $220,827.61 is due at closing. Uses and sources reconcile at $804,164.72 each. Not a Closing Disclosure.