Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$363,709Cash toward the purchase price.
Closing costs + prepaids$18,411Not just lender fees.
Before credits & paid funds$382,120The complete starting cash picture.
Estimated remaining funds due at closing
$382,120No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$363,709.03
Your down payment$363,709.03
Closing costs + prepaids$18,411.06
Total buyer cash needed$382,120.09
Remaining funds due$382,120.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,690.00
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)$945.50
Initial HOA (3 months)$1,542.00
Prepaid interest, first (31 days)$1,008.56
Fees + prepaids$18,411.06
Your down payment is the seller’s equity. You take over the $405,291 balance, so the rest of the $769,000 price is paid at closing. A second mortgage can cover part of it. $382,120.09 is due at closing. Uses and sources reconcile at $787,411.06 each. Not a Closing Disclosure.