Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$242,355Cash toward the purchase price.
Closing costs + prepaids$18,422Not just lender fees.
Before credits & paid funds$260,777The complete starting cash picture.
Estimated remaining funds due at closing
$260,777No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$242,355.45
Your down payment$242,355.45
Closing costs + prepaids$18,421.50
Total buyer cash needed$260,776.95
Remaining funds due$260,776.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,950.00
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)$1,987.50
Initial HOA (3 months)$1,173.00
Prepaid interest, first (2 days)$86.00
Fees + prepaids$18,421.50
Your down payment is the seller’s equity. You take over the $552,645 balance, so the rest of the $795,000 price is paid at closing. A second mortgage can cover part of it. $260,776.95 is due at closing. Uses and sources reconcile at $813,421.50 each. Not a Closing Disclosure.