Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$355,809Cash toward the purchase price.
Closing costs + prepaids$17,885Not just lender fees.
Before credits & paid funds$373,694The complete starting cash picture.
Estimated remaining funds due at closing
$373,694No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$355,809.37
Your down payment$355,809.37
Closing costs + prepaids$17,884.94
Total buyer cash needed$373,694.31
Remaining funds due$373,694.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,790.00
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)$1,947.50
Prepaid interest, first (18 days)$922.44
Fees + prepaids$17,884.94
Your down payment is the seller’s equity. You take over the $423,191 balance, so the rest of the $779,000 price is paid at closing. A second mortgage can cover part of it. $373,694.31 is due at closing. Uses and sources reconcile at $796,884.94 each. Not a Closing Disclosure.