Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$431,107Cash toward the purchase price.
Closing costs + prepaids$18,035Not just lender fees.
Before credits & paid funds$449,142The complete starting cash picture.
Estimated remaining funds due at closing
$449,142No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$431,106.76
Your down payment$431,106.76
Closing costs + prepaids$18,034.85
Total buyer cash needed$449,141.61
Remaining funds due$449,141.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,950.00
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)$1,987.50
Prepaid interest, first (25 days)$872.35
Fees + prepaids$18,034.85
Your down payment is the seller’s equity. You take over the $363,893 balance, so the rest of the $795,000 price is paid at closing. A second mortgage can cover part of it. $449,141.61 is due at closing. Uses and sources reconcile at $813,034.85 each. Not a Closing Disclosure.