Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$355,987Cash toward the purchase price.
Closing costs + prepaids$16,813Not just lender fees.
Before credits & paid funds$372,801The complete starting cash picture.
Estimated remaining funds due at closing
$372,801No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$355,987.18
Your down payment$355,987.18
Closing costs + prepaids$16,813.45
Total buyer cash needed$372,800.62
Remaining funds due$372,800.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,000.00
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)$960.00
Initial HOA (3 months)$300.00
Prepaid interest, first (12 days)$328.45
Fees + prepaids$16,813.45
Your down payment is the seller’s equity. You take over the $444,013 balance, so the rest of the $800,000 price is paid at closing. A second mortgage can cover part of it. $372,800.62 is due at closing. Uses and sources reconcile at $816,813.45 each. Not a Closing Disclosure.