Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$386,303Cash toward the purchase price.
Closing costs + prepaids$11,844Not just lender fees.
Before credits & paid funds$398,147The complete starting cash picture.
Estimated remaining funds due at closing
$398,147No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$386,303.36
Your down payment$386,303.36
Closing costs + prepaids$11,843.61
Total buyer cash needed$398,146.96
Remaining funds due$398,146.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,200.00
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)$1,248.00
Prepaid interest, first (30 days)$170.61
Fees + prepaids$11,843.61
Your down payment is the seller’s equity. You take over the $33,697 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $398,146.96 is due at closing. Uses and sources reconcile at $431,843.61 each. Not a Closing Disclosure.