Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$780,795Cash toward the purchase price.
Closing costs + prepaids$19,225Not just lender fees.
Before credits & paid funds$800,020The complete starting cash picture.
Estimated remaining funds due at closing
$800,020No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$780,795.30
Your down payment$780,795.30
Closing costs + prepaids$19,225.20
Total buyer cash needed$800,020.50
Remaining funds due$800,020.50
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,800.00
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)$2,638.75
Initial HOA (3 months)$93.75
Prepaid interest, first (24 days)$467.70
Fees + prepaids$19,225.20
Your down payment is the seller’s equity. You take over the $99,205 balance, so the rest of the $880,000 price is paid at closing. A second mortgage can cover part of it. $800,020.50 is due at closing. Uses and sources reconcile at $899,225.20 each. Not a Closing Disclosure.