Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$564,202Cash toward the purchase price.
Closing costs + prepaids$15,943Not just lender fees.
Before credits & paid funds$580,145The complete starting cash picture.
Estimated remaining funds due at closing
$580,145No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$564,201.89
Your down payment$564,201.89
Closing costs + prepaids$15,943.33
Total buyer cash needed$580,145.21
Remaining funds due$580,145.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$7,750.00
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)$614.25
Initial HOA (3 months)$336.00
Prepaid interest, first (1 days)$18.08
Fees + prepaids$15,943.33
Your down payment is the seller’s equity. You take over the $210,798 balance, so the rest of the $775,000 price is paid at closing. A second mortgage can cover part of it. $580,145.21 is due at closing. Uses and sources reconcile at $790,943.33 each. Not a Closing Disclosure.