Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$291,404Cash toward the purchase price.
Closing costs + prepaids$19,751Not just lender fees.
Before credits & paid funds$311,155The complete starting cash picture.
Estimated remaining funds due at closing
$311,155No 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$19,750.58
Total buyer cash needed$311,154.93
Remaining funds due$311,154.93
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)$1,202.50
Initial HOA (3 months)$321.00
Prepaid interest, first (31 days)$3,002.10
Fees + prepaids$19,750.58
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. $311,154.93 is due at closing. Uses and sources reconcile at $819,748.58 each. Not a Closing Disclosure.