Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$378,554Cash toward the purchase price.
Closing costs + prepaids$11,892Not just lender fees.
Before credits & paid funds$390,446The complete starting cash picture.
Estimated remaining funds due at closing
$390,446No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$378,553.95
Your down payment$378,553.95
Closing costs + prepaids$11,892.06
Total buyer cash needed$390,446.02
Remaining funds due$390,446.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,950.00
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)$1,425.00
Initial HOA (3 months)$207.00
Prepaid interest, first (31 days)$85.06
Fees + prepaids$11,892.06
Your down payment is the seller’s equity. You take over the $16,446 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $390,446.02 is due at closing. Uses and sources reconcile at $406,892.06 each. Not a Closing Disclosure.