Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$355,987Cash toward the purchase price.
Closing costs + prepaids$16,677Not just lender fees.
Before credits & paid funds$372,664The complete starting cash picture.
Estimated remaining funds due at closing
$372,664No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$355,987.18
Your down payment$355,987.18
Closing costs + prepaids$16,676.59
Total buyer cash needed$372,663.77
Remaining funds due$372,663.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,000.00
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)$960.00
Initial HOA (3 months)$300.00
Prepaid interest, first (7 days)$191.59
Fees + prepaids$16,676.59
Your down payment is the seller’s equity. You take over the $444,013 balance, so the rest of the $800,000 price is paid at closing. A second mortgage can cover part of it. $372,663.77 is due at closing. Uses and sources reconcile at $816,676.59 each. Not a Closing Disclosure.