Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$395,687Cash toward the purchase price.
Closing costs + prepaids$18,110Not just lender fees.
Before credits & paid funds$413,797The complete starting cash picture.
Estimated remaining funds due at closing
$413,797No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$395,686.84
Your down payment$395,686.84
Closing costs + prepaids$18,110.15
Total buyer cash needed$413,796.99
Remaining funds due$413,796.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,750.00
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)$1,093.75
Initial HOA (3 months)$285.00
Prepaid interest, first (18 days)$756.40
Fees + prepaids$18,110.15
Your down payment is the seller’s equity. You take over the $479,313 balance, so the rest of the $875,000 price is paid at closing. A second mortgage can cover part of it. $413,796.99 is due at closing. Uses and sources reconcile at $893,110.15 each. Not a Closing Disclosure.