Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$392,225Cash toward the purchase price.
Closing costs + prepaids$13,145Not just lender fees.
Before credits & paid funds$405,370The complete starting cash picture.
Estimated remaining funds due at closing
$405,370No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$392,224.76
Your down payment$392,224.76
Closing costs + prepaids$13,145.17
Total buyer cash needed$405,369.93
Remaining funds due$405,369.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,160.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,001.50
Prepaid interest, first (30 days)$508.67
Fees + prepaids$13,145.17
Your down payment is the seller’s equity. You take over the $123,775 balance, so the rest of the $516,000 price is paid at closing. A second mortgage can cover part of it. $405,369.93 is due at closing. Uses and sources reconcile at $529,145.17 each. Not a Closing Disclosure.