Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$285,093Cash toward the purchase price.
Closing costs + prepaids$18,261Not just lender fees.
Before credits & paid funds$303,355The complete starting cash picture.
Estimated remaining funds due at closing
$303,355No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$285,093.29
Your down payment$285,093.29
Closing costs + prepaids$18,261.49
Total buyer cash needed$303,354.78
Remaining funds due$303,354.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,790.00
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)$2,002.00
Initial HOA (3 months)$174.00
Prepaid interest, first (27 days)$1,070.49
Fees + prepaids$18,261.49
Your down payment is the seller’s equity. You take over the $493,907 balance, so the rest of the $779,000 price is paid at closing. A second mortgage can cover part of it. $303,354.78 is due at closing. Uses and sources reconcile at $797,261.49 each. Not a Closing Disclosure.