Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$40,557Cash toward the purchase price.
Closing costs + prepaids$19,564Not just lender fees.
Before credits & paid funds$60,121The complete starting cash picture.
Estimated remaining funds due at closing
$60,121No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,557.17
Your down payment$40,557.17
Closing costs + prepaids$19,563.89
Total buyer cash needed$60,121.06
Remaining funds due$60,121.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,880.00
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)$1,063.75
Initial HOA (3 months)$18.75
Prepaid interest, first (24 days)$3,376.39
Fees + prepaids$19,563.89
Your down payment is the seller’s equity. You take over the $747,443 balance, so the rest of the $788,000 price is paid at closing. A second mortgage can cover part of it. $60,121.06 is due at closing. Uses and sources reconcile at $807,563.89 each. Not a Closing Disclosure.