Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$403,049Cash toward the purchase price.
Closing costs + prepaids$16,904Not just lender fees.
Before credits & paid funds$419,952The complete starting cash picture.
Estimated remaining funds due at closing
$419,952No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$403,048.54
Your down payment$403,048.54
Closing costs + prepaids$16,903.50
Total buyer cash needed$419,952.05
Remaining funds due$419,952.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,999.00
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)$1,000.00
Initial HOA (3 months)$135.00
Prepaid interest, first (16 days)$544.50
Fees + prepaids$16,903.50
Your down payment is the seller’s equity. You take over the $396,851 balance, so the rest of the $799,900 price is paid at closing. A second mortgage can cover part of it. $419,952.05 is due at closing. Uses and sources reconcile at $816,803.50 each. Not a Closing Disclosure.