Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$410,876Cash toward the purchase price.
Closing costs + prepaids$17,218Not just lender fees.
Before credits & paid funds$428,095The complete starting cash picture.
Estimated remaining funds due at closing
$428,095No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$410,876.39
Your down payment$410,876.39
Closing costs + prepaids$17,218.15
Total buyer cash needed$428,094.53
Remaining funds due$428,094.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,750.00
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)$1,259.00
Initial HOA (3 months)$297.00
Prepaid interest, first (24 days)$687.15
Fees + prepaids$17,218.15
Your down payment is the seller’s equity. You take over the $364,124 balance, so the rest of the $775,000 price is paid at closing. A second mortgage can cover part of it. $428,094.53 is due at closing. Uses and sources reconcile at $792,218.15 each. Not a Closing Disclosure.