Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$310,978Cash toward the purchase price.
Closing costs + prepaids$19,113Not just lender fees.
Before credits & paid funds$330,091The complete starting cash picture.
Estimated remaining funds due at closing
$330,091No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$310,978.20
Your down payment$310,978.20
Closing costs + prepaids$19,112.74
Total buyer cash needed$330,090.94
Remaining funds due$330,090.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,799.99
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)$1,950.00
Initial HOA (3 months)$990.00
Prepaid interest, first (29 days)$1,147.75
Fees + prepaids$19,112.74
Your down payment is the seller’s equity. You take over the $469,021 balance, so the rest of the $779,999 price is paid at closing. A second mortgage can cover part of it. $330,090.94 is due at closing. Uses and sources reconcile at $799,111.74 each. Not a Closing Disclosure.