Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$351,779Cash toward the purchase price.
Closing costs + prepaids$16,501Not just lender fees.
Before credits & paid funds$368,280The complete starting cash picture.
Estimated remaining funds due at closing
$368,280No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$351,779.27
Your down payment$351,779.27
Closing costs + prepaids$16,500.97
Total buyer cash needed$368,280.25
Remaining funds due$368,280.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,800.00
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)$936.00
Initial HOA (3 months)$150.00
Prepaid interest, first (12 days)$389.97
Fees + prepaids$16,500.97
Your down payment is the seller’s equity. You take over the $428,221 balance, so the rest of the $780,000 price is paid at closing. A second mortgage can cover part of it. $368,280.25 is due at closing. Uses and sources reconcile at $796,500.97 each. Not a Closing Disclosure.