Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$446,942Cash toward the purchase price.
Closing costs + prepaids$16,833Not just lender fees.
Before credits & paid funds$463,774The complete starting cash picture.
Estimated remaining funds due at closing
$463,774No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$446,941.61
Your down payment$446,941.61
Closing costs + prepaids$16,832.56
Total buyer cash needed$463,774.17
Remaining funds due$463,774.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,949.00
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)$954.00
Initial HOA (3 months)$279.00
Prepaid interest, first (12 days)$425.56
Fees + prepaids$16,832.56
Your down payment is the seller’s equity. You take over the $347,958 balance, so the rest of the $794,900 price is paid at closing. A second mortgage can cover part of it. $463,774.17 is due at closing. Uses and sources reconcile at $811,732.56 each. Not a Closing Disclosure.