Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$327,560Cash toward the purchase price.
Closing costs + prepaids$20,827Not just lender fees.
Before credits & paid funds$348,387The complete starting cash picture.
Estimated remaining funds due at closing
$348,387No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$327,559.85
Your down payment$327,559.85
Closing costs + prepaids$20,826.98
Total buyer cash needed$348,386.83
Remaining funds due$348,386.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,750.00
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)$2,187.50
Initial HOA (3 months)$1,545.00
Prepaid interest, first (24 days)$1,119.48
Fees + prepaids$20,826.98
Your down payment is the seller’s equity. You take over the $547,440 balance, so the rest of the $875,000 price is paid at closing. A second mortgage can cover part of it. $348,386.83 is due at closing. Uses and sources reconcile at $895,826.98 each. Not a Closing Disclosure.