Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$452,368Cash toward the purchase price.
Closing costs + prepaids$16,600Not just lender fees.
Before credits & paid funds$468,968The complete starting cash picture.
Estimated remaining funds due at closing
$468,968No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$452,367.94
Your down payment$452,367.94
Closing costs + prepaids$16,599.86
Total buyer cash needed$468,967.81
Remaining funds due$468,967.81
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
Prepaid interest, first (12 days)$470.86
Fees + prepaids$16,599.86
Your down payment is the seller’s equity. You take over the $342,632 balance, so the rest of the $795,000 price is paid at closing. A second mortgage can cover part of it. $468,967.81 is due at closing. Uses and sources reconcile at $811,599.86 each. Not a Closing Disclosure.