Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$318,556Cash toward the purchase price.
Closing costs + prepaids$16,726Not just lender fees.
Before credits & paid funds$335,282The complete starting cash picture.
Estimated remaining funds due at closing
$335,282No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$318,556.39
Your down payment$318,556.39
Closing costs + prepaids$16,725.90
Total buyer cash needed$335,282.28
Remaining funds due$335,282.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,750.00
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)$598.50
Initial HOA (3 months)$1,101.00
Prepaid interest, first (1 days)$51.40
Fees + prepaids$16,725.90
Your down payment is the seller’s equity. You take over the $456,444 balance, so the rest of the $775,000 price is paid at closing. A second mortgage can cover part of it. $335,282.28 is due at closing. Uses and sources reconcile at $791,725.90 each. Not a Closing Disclosure.