Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$393,309Cash toward the purchase price.
Closing costs + prepaids$11,402Not just lender fees.
Before credits & paid funds$404,711The complete starting cash picture.
Estimated remaining funds due at closing
$404,711No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$393,309.14
Your down payment$393,309.14
Closing costs + prepaids$11,401.81
Total buyer cash needed$404,710.96
Remaining funds due$404,710.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,500.00
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)$669.25
Prepaid interest, first (1 days)$7.56
Fees + prepaids$11,401.81
Your down payment is the seller’s equity. You take over the $56,691 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $404,710.96 is due at closing. Uses and sources reconcile at $461,401.81 each. Not a Closing Disclosure.