Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$363,197Cash toward the purchase price.
Closing costs + prepaids$19,267Not just lender fees.
Before credits & paid funds$382,464The complete starting cash picture.
Estimated remaining funds due at closing
$382,464No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$363,196.90
Your down payment$363,196.90
Closing costs + prepaids$19,266.69
Total buyer cash needed$382,463.59
Remaining funds due$382,463.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,390.00
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)$2,287.25
Initial HOA (3 months)$210.00
Prepaid interest, first (24 days)$1,154.44
Fees + prepaids$19,266.69
Your down payment is the seller’s equity. You take over the $475,803 balance, so the rest of the $839,000 price is paid at closing. A second mortgage can cover part of it. $382,463.59 is due at closing. Uses and sources reconcile at $858,266.69 each. Not a Closing Disclosure.