Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$248,184Cash toward the purchase price.
Closing costs + prepaids$17,587Not just lender fees.
Before credits & paid funds$265,771The complete starting cash picture.
Estimated remaining funds due at closing
$265,771No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$248,183.91
Your down payment$248,183.91
Closing costs + prepaids$17,586.93
Total buyer cash needed$265,770.84
Remaining funds due$265,770.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,150.00
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)$660.75
Initial HOA (3 months)$243.00
Prepaid interest, first (27 days)$1,308.18
Fees + prepaids$17,586.93
Your down payment is the seller’s equity. You take over the $566,816 balance, so the rest of the $815,000 price is paid at closing. A second mortgage can cover part of it. $265,770.84 is due at closing. Uses and sources reconcile at $832,586.93 each. Not a Closing Disclosure.