Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$450,033Cash toward the purchase price.
Closing costs + prepaids$20,794Not just lender fees.
Before credits & paid funds$470,827The complete starting cash picture.
Estimated remaining funds due at closing
$470,827No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$450,032.73
Your down payment$450,032.73
Closing costs + prepaids$20,794.26
Total buyer cash needed$470,826.99
Remaining funds due$470,826.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,899.99
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)$1,975.00
Initial HOA (3 months)$2,856.00
Prepaid interest, first (30 days)$838.27
Fees + prepaids$20,794.26
Your down payment is the seller’s equity. You take over the $339,966 balance, so the rest of the $789,999 price is paid at closing. A second mortgage can cover part of it. $470,826.99 is due at closing. Uses and sources reconcile at $810,793.26 each. Not a Closing Disclosure.