Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$280,051Cash toward the purchase price.
Closing costs + prepaids$22,848Not just lender fees.
Before credits & paid funds$302,900The complete starting cash picture.
Estimated remaining funds due at closing
$302,900No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$280,051.13
Your down payment$280,051.13
Closing costs + prepaids$22,848.49
Total buyer cash needed$302,899.62
Remaining funds due$302,899.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,550.00
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)$2,137.50
Initial HOA (3 months)$1,635.00
Prepaid interest, first (31 days)$3,300.99
Fees + prepaids$22,848.49
Your down payment is the seller’s equity. You take over the $574,949 balance, so the rest of the $855,000 price is paid at closing. A second mortgage can cover part of it. $302,899.62 is due at closing. Uses and sources reconcile at $877,848.49 each. Not a Closing Disclosure.