Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$18,070Cash toward the purchase price.
Closing costs + prepaids$20,524Not just lender fees.
Before credits & paid funds$38,593The complete starting cash picture.
Estimated remaining funds due at closing
$38,593No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,069.63
Your down payment$18,069.63
Closing costs + prepaids$20,523.65
Total buyer cash needed$38,593.28
Remaining funds due$38,593.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,990.00
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)$1,207.75
Initial HOA (3 months)$171.00
Prepaid interest, first (28 days)$3,929.90
Fees + prepaids$20,523.65
Your down payment is the seller’s equity. You take over the $780,930 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $38,593.28 is due at closing. Uses and sources reconcile at $819,523.65 each. Not a Closing Disclosure.