Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$18,773Cash toward the purchase price.
Closing costs + prepaids$18,142Not just lender fees.
Before credits & paid funds$36,914The complete starting cash picture.
Estimated remaining funds due at closing
$36,914No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,772.64
Your down payment$18,772.64
Closing costs + prepaids$18,141.62
Total buyer cash needed$36,914.25
Remaining funds due$36,914.25
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)$954.00
Initial HOA (3 months)$978.00
Prepaid interest, first (7 days)$1,034.62
Fees + prepaids$18,141.62
Your down payment is the seller’s equity. You take over the $776,227 balance, so the rest of the $795,000 price is paid at closing. A second mortgage can cover part of it. $36,914.25 is due at closing. Uses and sources reconcile at $813,141.62 each. Not a Closing Disclosure.