Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$337,820Cash toward the purchase price.
Closing costs + prepaids$20,126Not just lender fees.
Before credits & paid funds$357,946The complete starting cash picture.
Estimated remaining funds due at closing
$357,946No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$337,819.99
Your down payment$337,819.99
Closing costs + prepaids$20,126.34
Total buyer cash needed$357,946.33
Remaining funds due$357,946.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,850.00
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)$2,393.00
Initial HOA (3 months)$900.00
Prepaid interest, first (24 days)$1,758.34
Fees + prepaids$20,126.34
Your down payment is the seller’s equity. You take over the $447,180 balance, so the rest of the $785,000 price is paid at closing. A second mortgage can cover part of it. $357,946.33 is due at closing. Uses and sources reconcile at $805,126.34 each. Not a Closing Disclosure.