Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$367,247Cash toward the purchase price.
Closing costs + prepaids$16,664Not just lender fees.
Before credits & paid funds$383,911The complete starting cash picture.
Estimated remaining funds due at closing
$383,911No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$367,247.45
Your down payment$367,247.45
Closing costs + prepaids$16,663.86
Total buyer cash needed$383,911.31
Remaining funds due$383,911.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,950.00
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)$131.25
Prepaid interest, first (12 days)$403.61
Fees + prepaids$16,663.86
Your down payment is the seller’s equity. You take over the $427,753 balance, so the rest of the $795,000 price is paid at closing. A second mortgage can cover part of it. $383,911.31 is due at closing. Uses and sources reconcile at $811,663.86 each. Not a Closing Disclosure.