Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$327,391Cash toward the purchase price.
Closing costs + prepaids$19,823Not just lender fees.
Before credits & paid funds$347,214The complete starting cash picture.
Estimated remaining funds due at closing
$347,214No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$327,390.97
Your down payment$327,390.97
Closing costs + prepaids$19,823.30
Total buyer cash needed$347,214.26
Remaining funds due$347,214.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,999.00
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)$1,999.75
Initial HOA (3 months)$1,581.00
Prepaid interest, first (28 days)$1,018.55
Fees + prepaids$19,823.30
Your down payment is the seller’s equity. You take over the $472,509 balance, so the rest of the $799,900 price is paid at closing. A second mortgage can cover part of it. $347,214.26 is due at closing. Uses and sources reconcile at $819,723.30 each. Not a Closing Disclosure.