Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$382,755Cash toward the purchase price.
Closing costs + prepaids$19,273Not just lender fees.
Before credits & paid funds$402,028The complete starting cash picture.
Estimated remaining funds due at closing
$402,028No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$382,754.78
Your down payment$382,754.78
Closing costs + prepaids$19,272.99
Total buyer cash needed$402,027.77
Remaining funds due$402,027.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,990.00
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)$1,997.50
Initial HOA (3 months)$1,254.00
Prepaid interest, first (26 days)$806.49
Fees + prepaids$19,272.99
Your down payment is the seller’s equity. You take over the $416,245 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $402,027.77 is due at closing. Uses and sources reconcile at $818,272.99 each. Not a Closing Disclosure.