Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$402,032Cash toward the purchase price.
Closing costs + prepaids$19,399Not just lender fees.
Before credits & paid funds$421,430The complete starting cash picture.
Estimated remaining funds due at closing
$421,430No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$402,031.79
Your down payment$402,031.79
Closing costs + prepaids$19,398.67
Total buyer cash needed$421,430.45
Remaining funds due$421,430.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,150.00
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)$2,037.50
Initial HOA (3 months)$1,197.00
Prepaid interest, first (25 days)$789.17
Fees + prepaids$19,398.67
Your down payment is the seller’s equity. You take over the $412,968 balance, so the rest of the $815,000 price is paid at closing. A second mortgage can cover part of it. $421,430.45 is due at closing. Uses and sources reconcile at $834,398.67 each. Not a Closing Disclosure.