Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$300,856Cash toward the purchase price.
Closing costs + prepaids$20,224Not just lender fees.
Before credits & paid funds$321,080The complete starting cash picture.
Estimated remaining funds due at closing
$321,080No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$300,855.54
Your down payment$300,855.54
Closing costs + prepaids$20,224.13
Total buyer cash needed$321,079.67
Remaining funds due$321,079.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,890.00
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)$1,972.50
Initial HOA (3 months)$594.00
Prepaid interest, first (28 days)$2,542.63
Fees + prepaids$20,224.13
Your down payment is the seller’s equity. You take over the $488,144 balance, so the rest of the $789,000 price is paid at closing. A second mortgage can cover part of it. $321,079.67 is due at closing. Uses and sources reconcile at $809,224.13 each. Not a Closing Disclosure.