Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$414,551Cash toward the purchase price.
Closing costs + prepaids$18,264Not just lender fees.
Before credits & paid funds$432,815The complete starting cash picture.
Estimated remaining funds due at closing
$432,815No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$414,551.12
Your down payment$414,551.12
Closing costs + prepaids$18,264.19
Total buyer cash needed$432,815.31
Remaining funds due$432,815.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,999.00
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)$1,999.75
Prepaid interest, first (27 days)$1,040.44
Fees + prepaids$18,264.19
Your down payment is the seller’s equity. You take over the $385,349 balance, so the rest of the $799,900 price is paid at closing. A second mortgage can cover part of it. $432,815.31 is due at closing. Uses and sources reconcile at $818,164.19 each. Not a Closing Disclosure.