Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$162,643Cash toward the purchase price.
Closing costs + prepaids$20,545Not just lender fees.
Before credits & paid funds$183,188The complete starting cash picture.
Estimated remaining funds due at closing
$183,188No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$162,643.19
Your down payment$162,643.19
Closing costs + prepaids$20,545.25
Total buyer cash needed$183,188.44
Remaining funds due$183,188.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,800.00
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)$2,295.75
Initial HOA (3 months)$180.00
Prepaid interest, first (24 days)$3,044.50
Fees + prepaids$20,545.25
Your down payment is the seller’s equity. You take over the $617,357 balance, so the rest of the $780,000 price is paid at closing. A second mortgage can cover part of it. $183,188.44 is due at closing. Uses and sources reconcile at $800,545.25 each. Not a Closing Disclosure.