Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$375,385Cash toward the purchase price.
Closing costs + prepaids$18,579Not just lender fees.
Before credits & paid funds$393,965The complete starting cash picture.
Estimated remaining funds due at closing
$393,965No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$375,385.18
Your down payment$375,385.18
Closing costs + prepaids$18,579.48
Total buyer cash needed$393,964.67
Remaining funds due$393,964.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,980.00
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)$1,995.00
Initial HOA (3 months)$294.00
Prepaid interest, first (25 days)$1,085.48
Fees + prepaids$18,579.48
Your down payment is the seller’s equity. You take over the $422,615 balance, so the rest of the $798,000 price is paid at closing. A second mortgage can cover part of it. $393,964.67 is due at closing. Uses and sources reconcile at $816,579.48 each. Not a Closing Disclosure.