Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$457,865Cash toward the purchase price.
Closing costs + prepaids$18,200Not just lender fees.
Before credits & paid funds$476,065The complete starting cash picture.
Estimated remaining funds due at closing
$476,065No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$457,865.23
Your down payment$457,865.23
Closing costs + prepaids$18,200.16
Total buyer cash needed$476,065.39
Remaining funds due$476,065.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,870.00
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)$1,383.75
Initial HOA (3 months)$345.00
Prepaid interest, first (24 days)$1,376.41
Fees + prepaids$18,200.16
Your down payment is the seller’s equity. You take over the $329,135 balance, so the rest of the $787,000 price is paid at closing. A second mortgage can cover part of it. $476,065.39 is due at closing. Uses and sources reconcile at $805,200.16 each. Not a Closing Disclosure.