Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$20,494Cash toward the purchase price.
Closing costs + prepaids$19,469Not just lender fees.
Before credits & paid funds$39,963The complete starting cash picture.
Estimated remaining funds due at closing
$39,963No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,493.67
Your down payment$20,493.67
Closing costs + prepaids$19,469.41
Total buyer cash needed$39,963.08
Remaining funds due$39,963.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,990.00
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)$1,997.50
Initial HOA (3 months)$2,085.00
Prepaid interest, first (2 days)$171.91
Fees + prepaids$19,469.41
Your down payment is the seller’s equity. You take over the $778,506 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $39,963.08 is due at closing. Uses and sources reconcile at $818,469.41 each. Not a Closing Disclosure.