Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$291,404Cash toward the purchase price.
Closing costs + prepaids$17,474Not just lender fees.
Before credits & paid funds$308,879The complete starting cash picture.
Estimated remaining funds due at closing
$308,879No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$291,404.35
Your down payment$291,404.35
Closing costs + prepaids$17,474.40
Total buyer cash needed$308,878.75
Remaining funds due$308,878.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,999.98
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)$321.00
Prepaid interest, first (10 days)$968.42
Fees + prepaids$17,474.40
Your down payment is the seller’s equity. You take over the $508,594 balance, so the rest of the $799,998 price is paid at closing. A second mortgage can cover part of it. $308,878.75 is due at closing. Uses and sources reconcile at $817,472.40 each. Not a Closing Disclosure.