Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$375,041Cash toward the purchase price.
Closing costs + prepaids$16,256Not just lender fees.
Before credits & paid funds$391,297The complete starting cash picture.
Estimated remaining funds due at closing
$391,297No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$375,041.38
Your down payment$375,041.38
Closing costs + prepaids$16,256.09
Total buyer cash needed$391,297.46
Remaining funds due$391,297.46
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
Prepaid interest, first (12 days)$351.09
Fees + prepaids$16,256.09
Your down payment is the seller’s equity. You take over the $399,959 balance, so the rest of the $775,000 price is paid at closing. A second mortgage can cover part of it. $391,297.46 is due at closing. Uses and sources reconcile at $791,256.09 each. Not a Closing Disclosure.