Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$288,212Cash toward the purchase price.
Closing costs + prepaids$18,870Not just lender fees.
Before credits & paid funds$307,083The complete starting cash picture.
Estimated remaining funds due at closing
$307,083No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$288,212.20
Your down payment$288,212.20
Closing costs + prepaids$18,870.39
Total buyer cash needed$307,082.60
Remaining funds due$307,082.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,790.00
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)$1,947.50
Initial HOA (3 months)$849.00
Prepaid interest, first (25 days)$1,058.89
Fees + prepaids$18,870.39
Your down payment is the seller’s equity. You take over the $490,788 balance, so the rest of the $779,000 price is paid at closing. A second mortgage can cover part of it. $307,082.60 is due at closing. Uses and sources reconcile at $797,870.39 each. Not a Closing Disclosure.