Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$373,973Cash toward the purchase price.
Closing costs + prepaids$18,688Not just lender fees.
Before credits & paid funds$392,661The complete starting cash picture.
Estimated remaining funds due at closing
$392,661No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$373,973.02
Your down payment$373,973.02
Closing costs + prepaids$18,688.21
Total buyer cash needed$392,661.23
Remaining funds due$392,661.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,250.00
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)$1,981.50
Initial HOA (3 months)$300.00
Prepaid interest, first (26 days)$931.71
Fees + prepaids$18,688.21
Your down payment is the seller’s equity. You take over the $451,027 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $392,661.23 is due at closing. Uses and sources reconcile at $843,688.21 each. Not a Closing Disclosure.