Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$377,856Cash toward the purchase price.
Closing costs + prepaids$18,803Not just lender fees.
Before credits & paid funds$396,660The complete starting cash picture.
Estimated remaining funds due at closing
$396,660No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$377,856.32
Your down payment$377,856.32
Closing costs + prepaids$18,803.22
Total buyer cash needed$396,659.54
Remaining funds due$396,659.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,250.00
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)$2,062.50
Prepaid interest, first (28 days)$1,265.72
Fees + prepaids$18,803.22
Your down payment is the seller’s equity. You take over the $447,144 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $396,659.54 is due at closing. Uses and sources reconcile at $843,803.22 each. Not a Closing Disclosure.