Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$395,806Cash toward the purchase price.
Closing costs + prepaids$11,796Not just lender fees.
Before credits & paid funds$407,601The complete starting cash picture.
Estimated remaining funds due at closing
$407,601No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$395,805.70
Your down payment$395,805.70
Closing costs + prepaids$11,795.78
Total buyer cash needed$407,601.48
Remaining funds due$407,601.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,650.00
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)$331.25
Prepaid interest, first (30 days)$339.53
Fees + prepaids$11,795.78
Your down payment is the seller’s equity. You take over the $69,194 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $407,601.48 is due at closing. Uses and sources reconcile at $476,795.78 each. Not a Closing Disclosure.