Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$442,827Cash toward the purchase price.
Closing costs + prepaids$19,283Not just lender fees.
Before credits & paid funds$462,110The complete starting cash picture.
Estimated remaining funds due at closing
$462,110No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$442,827.16
Your down payment$442,827.16
Closing costs + prepaids$19,282.98
Total buyer cash needed$462,110.14
Remaining funds due$462,110.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,050.00
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)$966.00
Initial HOA (3 months)$2,655.00
Prepaid interest, first (12 days)$386.98
Fees + prepaids$19,282.98
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $805,000 price is paid at closing. A second mortgage can cover part of it. $462,110.14 is due at closing. Uses and sources reconcile at $824,282.98 each. Not a Closing Disclosure.