Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$389,717Cash toward the purchase price.
Closing costs + prepaids$10,822Not just lender fees.
Before credits & paid funds$400,539The complete starting cash picture.
Estimated remaining funds due at closing
$400,539No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$389,717.32
Your down payment$389,717.32
Closing costs + prepaids$10,821.69
Total buyer cash needed$400,539.01
Remaining funds due$400,539.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,000.00
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)$541.50
Prepaid interest, first (31 days)$55.19
Fees + prepaids$10,821.69
Your down payment is the seller’s equity. You take over the $10,283 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $400,539.01 is due at closing. Uses and sources reconcile at $410,821.69 each. Not a Closing Disclosure.