Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$209,439Cash toward the purchase price.
Closing costs + prepaids$19,791Not just lender fees.
Before credits & paid funds$229,230The complete starting cash picture.
Estimated remaining funds due at closing
$229,230No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$209,438.93
Your down payment$209,438.93
Closing costs + prepaids$19,791.44
Total buyer cash needed$229,230.38
Remaining funds due$229,230.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,750.00
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)$1,937.50
Initial HOA (3 months)$75.00
Prepaid interest, first (26 days)$2,803.94
Fees + prepaids$19,791.44
Your down payment is the seller’s equity. You take over the $565,561 balance, so the rest of the $775,000 price is paid at closing. A second mortgage can cover part of it. $229,230.38 is due at closing. Uses and sources reconcile at $794,791.44 each. Not a Closing Disclosure.