Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$359,419Cash toward the purchase price.
Closing costs + prepaids$19,387Not just lender fees.
Before credits & paid funds$378,806The complete starting cash picture.
Estimated remaining funds due at closing
$378,806No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$359,418.64
Your down payment$359,418.64
Closing costs + prepaids$19,387.07
Total buyer cash needed$378,805.71
Remaining funds due$378,805.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,997.00
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)$1,999.25
Prepaid interest, first (27 days)$2,165.82
Fees + prepaids$19,387.07
Your down payment is the seller’s equity. You take over the $440,281 balance, so the rest of the $799,700 price is paid at closing. A second mortgage can cover part of it. $378,805.71 is due at closing. Uses and sources reconcile at $819,087.07 each. Not a Closing Disclosure.