Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$429,449Cash toward the purchase price.
Closing costs + prepaids$19,042Not just lender fees.
Before credits & paid funds$448,491The complete starting cash picture.
Estimated remaining funds due at closing
$448,491No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$429,449.14
Your down payment$429,449.14
Closing costs + prepaids$19,041.75
Total buyer cash needed$448,490.89
Remaining funds due$448,490.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,790.00
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)$1,947.50
Initial HOA (3 months)$1,440.00
Prepaid interest, first (25 days)$639.25
Fees + prepaids$19,041.75
Your down payment is the seller’s equity. You take over the $349,551 balance, so the rest of the $779,000 price is paid at closing. A second mortgage can cover part of it. $448,490.89 is due at closing. Uses and sources reconcile at $798,041.75 each. Not a Closing Disclosure.