Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$357,946Cash toward the purchase price.
Closing costs + prepaids$22,242Not just lender fees.
Before credits & paid funds$380,189The complete starting cash picture.
Estimated remaining funds due at closing
$380,189No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$357,946.45
Your down payment$357,946.45
Closing costs + prepaids$22,242.07
Total buyer cash needed$380,188.52
Remaining funds due$380,188.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,200.00
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)$3,834.00
Initial HOA (3 months)$450.00
Prepaid interest, first (30 days)$2,533.07
Fees + prepaids$22,242.07
Your down payment is the seller’s equity. You take over the $462,054 balance, so the rest of the $820,000 price is paid at closing. A second mortgage can cover part of it. $380,188.52 is due at closing. Uses and sources reconcile at $842,242.07 each. Not a Closing Disclosure.