Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$356,253Cash toward the purchase price.
Closing costs + prepaids$16,788Not just lender fees.
Before credits & paid funds$373,041The complete starting cash picture.
Estimated remaining funds due at closing
$373,041No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$356,253.00
Your down payment$356,253.00
Closing costs + prepaids$16,787.82
Total buyer cash needed$373,040.82
Remaining funds due$373,040.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,999.99
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)$960.00
Initial HOA (3 months)$171.00
Prepaid interest, first (12 days)$431.83
Fees + prepaids$16,787.82
Your down payment is the seller’s equity. You take over the $443,746 balance, so the rest of the $799,999 price is paid at closing. A second mortgage can cover part of it. $373,040.82 is due at closing. Uses and sources reconcile at $816,786.82 each. Not a Closing Disclosure.