Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$206,605Cash toward the purchase price.
Closing costs + prepaids$20,330Not just lender fees.
Before credits & paid funds$226,934The complete starting cash picture.
Estimated remaining funds due at closing
$226,934No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$206,604.66
Your down payment$206,604.66
Closing costs + prepaids$20,329.65
Total buyer cash needed$226,934.31
Remaining funds due$226,934.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,900.00
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)$1,975.00
Initial HOA (3 months)$36.00
Prepaid interest, first (29 days)$3,193.65
Fees + prepaids$20,329.65
Your down payment is the seller’s equity. You take over the $583,395 balance, so the rest of the $790,000 price is paid at closing. A second mortgage can cover part of it. $226,934.31 is due at closing. Uses and sources reconcile at $810,329.65 each. Not a Closing Disclosure.