Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$384,549Cash toward the purchase price.
Closing costs + prepaids$11,259Not just lender fees.
Before credits & paid funds$395,809The complete starting cash picture.
Estimated remaining funds due at closing
$395,809No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$384,549.24
Your down payment$384,549.24
Closing costs + prepaids$11,259.47
Total buyer cash needed$395,808.72
Remaining funds due$395,808.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.90
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)$1,020.00
Prepaid interest, first (5 days)$14.57
Fees + prepaids$11,259.47
Your down payment is the seller’s equity. You take over the $15,441 balance, so the rest of the $399,990 price is paid at closing. A second mortgage can cover part of it. $395,808.72 is due at closing. Uses and sources reconcile at $411,249.47 each. Not a Closing Disclosure.