Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$234,536Cash toward the purchase price.
Closing costs + prepaids$18,306Not just lender fees.
Before credits & paid funds$252,842The complete starting cash picture.
Estimated remaining funds due at closing
$252,842No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,535.76
Your down payment$234,535.76
Closing costs + prepaids$18,306.34
Total buyer cash needed$252,842.10
Remaining funds due$252,842.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,950.00
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)$1,809.50
Initial HOA (3 months)$75.00
Prepaid interest, first (28 days)$1,246.84
Fees + prepaids$18,306.34
Your down payment is the seller’s equity. You take over the $560,464 balance, so the rest of the $795,000 price is paid at closing. A second mortgage can cover part of it. $252,842.10 is due at closing. Uses and sources reconcile at $813,306.34 each. Not a Closing Disclosure.