Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$299,903Cash toward the purchase price.
Closing costs + prepaids$20,289Not just lender fees.
Before credits & paid funds$320,191The complete starting cash picture.
Estimated remaining funds due at closing
$320,191No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$299,902.88
Your down payment$299,902.88
Closing costs + prepaids$20,288.61
Total buyer cash needed$320,191.49
Remaining funds due$320,191.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,250.00
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)$1,184.50
Initial HOA (3 months)$690.00
Prepaid interest, first (30 days)$2,939.11
Fees + prepaids$20,288.61
Your down payment is the seller’s equity. You take over the $525,097 balance, so the rest of the $825,000 price is paid at closing. A second mortgage can cover part of it. $320,191.49 is due at closing. Uses and sources reconcile at $845,288.61 each. Not a Closing Disclosure.