Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$446,942Cash toward the purchase price.
Closing costs + prepaids$18,090Not just lender fees.
Before credits & paid funds$465,031The complete starting cash picture.
Estimated remaining funds due at closing
$465,031No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$446,941.61
Your down payment$446,941.61
Closing costs + prepaids$18,089.54
Total buyer cash needed$465,031.15
Remaining funds due$465,031.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,949.00
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)$1,714.50
Initial HOA (3 months)$279.00
Prepaid interest, first (26 days)$922.04
Fees + prepaids$18,089.54
Your down payment is the seller’s equity. You take over the $347,958 balance, so the rest of the $794,900 price is paid at closing. A second mortgage can cover part of it. $465,031.15 is due at closing. Uses and sources reconcile at $812,989.54 each. Not a Closing Disclosure.