Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$467,647Cash toward the purchase price.
Closing costs + prepaids$17,169Not just lender fees.
Before credits & paid funds$484,816The complete starting cash picture.
Estimated remaining funds due at closing
$484,816No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$467,647.42
Your down payment$467,647.42
Closing costs + prepaids$17,168.92
Total buyer cash needed$484,816.33
Remaining funds due$484,816.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,199.00
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)$638.25
Initial HOA (3 months)$48.75
Prepaid interest, first (27 days)$1,057.92
Fees + prepaids$17,168.92
Your down payment is the seller’s equity. You take over the $352,253 balance, so the rest of the $819,900 price is paid at closing. A second mortgage can cover part of it. $484,816.33 is due at closing. Uses and sources reconcile at $837,068.92 each. Not a Closing Disclosure.