Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$370,256Cash toward the purchase price.
Closing costs + prepaids$17,179Not just lender fees.
Before credits & paid funds$387,435The complete starting cash picture.
Estimated remaining funds due at closing
$387,435No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$370,256.37
Your down payment$370,256.37
Closing costs + prepaids$17,178.75
Total buyer cash needed$387,435.12
Remaining funds due$387,435.12
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)$379.50
Initial HOA (3 months)$135.00
Prepaid interest, first (25 days)$1,649.25
Fees + prepaids$17,178.75
Your down payment is the seller’s equity. You take over the $408,744 balance, so the rest of the $779,000 price is paid at closing. A second mortgage can cover part of it. $387,435.12 is due at closing. Uses and sources reconcile at $796,178.75 each. Not a Closing Disclosure.