Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$411,808Cash toward the purchase price.
Closing costs + prepaids$17,165Not just lender fees.
Before credits & paid funds$428,973The complete starting cash picture.
Estimated remaining funds due at closing
$428,973No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$411,807.69
Your down payment$411,807.69
Closing costs + prepaids$17,165.34
Total buyer cash needed$428,973.03
Remaining funds due$428,973.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,899.90
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)$379.50
Initial HOA (3 months)$135.00
Prepaid interest, first (25 days)$1,525.94
Fees + prepaids$17,165.34
Your down payment is the seller’s equity. You take over the $378,182 balance, so the rest of the $789,990 price is paid at closing. A second mortgage can cover part of it. $428,973.03 is due at closing. Uses and sources reconcile at $807,155.34 each. Not a Closing Disclosure.