Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$377,355Cash toward the purchase price.
Closing costs + prepaids$17,209Not just lender fees.
Before credits & paid funds$394,564The complete starting cash picture.
Estimated remaining funds due at closing
$394,564No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$377,355.02
Your down payment$377,355.02
Closing costs + prepaids$17,209.25
Total buyer cash needed$394,564.27
Remaining funds due$394,564.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,190.00
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)$781.25
Prepaid interest, first (26 days)$1,013.00
Fees + prepaids$17,209.25
Your down payment is the seller’s equity. You take over the $441,645 balance, so the rest of the $819,000 price is paid at closing. A second mortgage can cover part of it. $394,564.27 is due at closing. Uses and sources reconcile at $836,209.25 each. Not a Closing Disclosure.