Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$425,541Cash toward the purchase price.
Closing costs + prepaids$19,405Not just lender fees.
Before credits & paid funds$444,946The complete starting cash picture.
Estimated remaining funds due at closing
$444,946No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$425,540.94
Your down payment$425,540.94
Closing costs + prepaids$19,405.01
Total buyer cash needed$444,945.95
Remaining funds due$444,945.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,690.00
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)$1,922.50
Initial HOA (3 months)$1,890.00
Prepaid interest, first (24 days)$677.51
Fees + prepaids$19,405.01
Your down payment is the seller’s equity. You take over the $343,459 balance, so the rest of the $769,000 price is paid at closing. A second mortgage can cover part of it. $444,945.95 is due at closing. Uses and sources reconcile at $788,405.01 each. Not a Closing Disclosure.