Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$433,102Cash toward the purchase price.
Closing costs + prepaids$18,637Not just lender fees.
Before credits & paid funds$451,739The complete starting cash picture.
Estimated remaining funds due at closing
$451,739No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$433,102.26
Your down payment$433,102.26
Closing costs + prepaids$18,636.77
Total buyer cash needed$451,739.02
Remaining funds due$451,739.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,980.00
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)$1,995.00
Initial HOA (3 months)$600.00
Prepaid interest, first (27 days)$836.77
Fees + prepaids$18,636.77
Your down payment is the seller’s equity. You take over the $364,898 balance, so the rest of the $798,000 price is paid at closing. A second mortgage can cover part of it. $451,739.02 is due at closing. Uses and sources reconcile at $816,636.77 each. Not a Closing Disclosure.