Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$393,165Cash toward the purchase price.
Closing costs + prepaids$12,617Not just lender fees.
Before credits & paid funds$405,782The complete starting cash picture.
Estimated remaining funds due at closing
$405,782No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$393,165.00
Your down payment$393,165.00
Closing costs + prepaids$12,616.65
Total buyer cash needed$405,781.64
Remaining funds due$405,781.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,790.00
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)$808.00
Initial HOA (3 months)$114.00
Prepaid interest, first (30 days)$429.65
Fees + prepaids$12,616.65
Your down payment is the seller’s equity. You take over the $85,835 balance, so the rest of the $479,000 price is paid at closing. A second mortgage can cover part of it. $405,781.64 is due at closing. Uses and sources reconcile at $491,616.65 each. Not a Closing Disclosure.