Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$156,255Cash toward the purchase price.
Closing costs + prepaids$19,279Not just lender fees.
Before credits & paid funds$175,534The complete starting cash picture.
Estimated remaining funds due at closing
$175,534No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,255.42
Your down payment$156,255.42
Closing costs + prepaids$19,278.57
Total buyer cash needed$175,533.98
Remaining funds due$175,533.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,000.00
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)$2,000.00
Initial HOA (3 months)$498.00
Prepaid interest, first (30 days)$1,555.57
Fees + prepaids$19,278.57
Your down payment is the seller’s equity. You take over the $643,745 balance, so the rest of the $800,000 price is paid at closing. A second mortgage can cover part of it. $175,533.98 is due at closing. Uses and sources reconcile at $819,278.57 each. Not a Closing Disclosure.