Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$323,720Cash toward the purchase price.
Closing costs + prepaids$16,619Not just lender fees.
Before credits & paid funds$340,339The complete starting cash picture.
Estimated remaining funds due at closing
$340,339No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$323,720.26
Your down payment$323,720.26
Closing costs + prepaids$16,618.91
Total buyer cash needed$340,339.17
Remaining funds due$340,339.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,750.00
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)$930.00
Initial HOA (3 months)$297.00
Prepaid interest, first (12 days)$416.91
Fees + prepaids$16,618.91
Your down payment is the seller’s equity. You take over the $451,280 balance, so the rest of the $775,000 price is paid at closing. A second mortgage can cover part of it. $340,339.17 is due at closing. Uses and sources reconcile at $791,618.91 each. Not a Closing Disclosure.