Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$285,023Cash toward the purchase price.
Closing costs + prepaids$17,459Not just lender fees.
Before credits & paid funds$302,483The complete starting cash picture.
Estimated remaining funds due at closing
$302,483No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$285,023.22
Your down payment$285,023.22
Closing costs + prepaids$17,459.50
Total buyer cash needed$302,482.72
Remaining funds due$302,482.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,450.00
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)$1,014.00
Initial HOA (3 months)$399.99
Prepaid interest, first (7 days)$370.51
Fees + prepaids$17,459.50
Your down payment is the seller’s equity. You take over the $559,977 balance, so the rest of the $845,000 price is paid at closing. A second mortgage can cover part of it. $302,482.72 is due at closing. Uses and sources reconcile at $862,459.50 each. Not a Closing Disclosure.