Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$476,636Cash toward the purchase price.
Closing costs + prepaids$17,620Not just lender fees.
Before credits & paid funds$494,255The complete starting cash picture.
Estimated remaining funds due at closing
$494,255No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$476,635.84
Your down payment$476,635.84
Closing costs + prepaids$17,619.62
Total buyer cash needed$494,255.47
Remaining funds due$494,255.47
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)$1,408.25
Initial HOA (3 months)$228.00
Prepaid interest, first (30 days)$768.37
Fees + prepaids$17,619.62
Your down payment is the seller’s equity. You take over the $322,364 balance, so the rest of the $799,000 price is paid at closing. A second mortgage can cover part of it. $494,255.47 is due at closing. Uses and sources reconcile at $816,619.62 each. Not a Closing Disclosure.