Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$277,416Cash toward the purchase price.
Closing costs + prepaids$16,940Not just lender fees.
Before credits & paid funds$294,356The complete starting cash picture.
Estimated remaining funds due at closing
$294,356No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$277,415.95
Your down payment$277,415.95
Closing costs + prepaids$16,940.16
Total buyer cash needed$294,356.11
Remaining funds due$294,356.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,150.00
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)$978.00
Initial HOA (3 months)$37.50
Prepaid interest, first (6 days)$549.66
Fees + prepaids$16,940.16
Your down payment is the seller’s equity. You take over the $537,584 balance, so the rest of the $815,000 price is paid at closing. A second mortgage can cover part of it. $294,356.11 is due at closing. Uses and sources reconcile at $831,940.16 each. Not a Closing Disclosure.