Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$381,421Cash toward the purchase price.
Closing costs + prepaids$11,384Not just lender fees.
Before credits & paid funds$392,806The complete starting cash picture.
Estimated remaining funds due at closing
$392,806No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$381,421.38
Your down payment$381,421.38
Closing costs + prepaids$11,384.29
Total buyer cash needed$392,805.67
Remaining funds due$392,805.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,090.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,043.00
Prepaid interest, first (5 days)$26.29
Fees + prepaids$11,384.29
Your down payment is the seller’s equity. You take over the $27,579 balance, so the rest of the $409,000 price is paid at closing. A second mortgage can cover part of it. $392,805.67 is due at closing. Uses and sources reconcile at $420,384.29 each. Not a Closing Disclosure.