Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$18,043Cash toward the purchase price.
Closing costs + prepaids$17,517Not just lender fees.
Before credits & paid funds$35,559The complete starting cash picture.
Estimated remaining funds due at closing
$35,559No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,042.78
Your down payment$18,042.78
Closing costs + prepaids$17,516.63
Total buyer cash needed$35,559.41
Remaining funds due$35,559.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,950.00
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)$1,067.75
Initial HOA (3 months)$978.00
Prepaid interest, first (2 days)$295.88
Fees + prepaids$17,516.63
Your down payment is the seller’s equity. You take over the $776,957 balance, so the rest of the $795,000 price is paid at closing. A second mortgage can cover part of it. $35,559.41 is due at closing. Uses and sources reconcile at $812,516.63 each. Not a Closing Disclosure.