Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$441,380Cash toward the purchase price.
Closing costs + prepaids$17,367Not just lender fees.
Before credits & paid funds$458,746The complete starting cash picture.
Estimated remaining funds due at closing
$458,746No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$441,379.61
Your down payment$441,379.61
Closing costs + prepaids$17,366.51
Total buyer cash needed$458,746.12
Remaining funds due$458,746.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,749.00
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)$1,712.00
Initial HOA (3 months)$37.50
Prepaid interest, first (31 days)$643.01
Fees + prepaids$17,366.51
Your down payment is the seller’s equity. You take over the $333,520 balance, so the rest of the $774,900 price is paid at closing. A second mortgage can cover part of it. $458,746.12 is due at closing. Uses and sources reconcile at $792,266.51 each. Not a Closing Disclosure.