Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$386,076Cash toward the purchase price.
Closing costs + prepaids$10,854Not just lender fees.
Before credits & paid funds$396,930The complete starting cash picture.
Estimated remaining funds due at closing
$396,930No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$386,075.65
Your down payment$386,075.65
Closing costs + prepaids$10,854.44
Total buyer cash needed$396,930.09
Remaining funds due$396,930.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,899.00
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)$729.75
Prepaid interest, first (1 days)$0.69
Fees + prepaids$10,854.44
Your down payment is the seller’s equity. You take over the $3,824 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $396,930.09 is due at closing. Uses and sources reconcile at $400,754.44 each. Not a Closing Disclosure.