Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$380,267Cash toward the purchase price.
Closing costs + prepaids$12,460Not just lender fees.
Before credits & paid funds$392,728The complete starting cash picture.
Estimated remaining funds due at closing
$392,728No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$380,267.44
Your down payment$380,267.44
Closing costs + prepaids$12,460.24
Total buyer cash needed$392,727.68
Remaining funds due$392,727.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,850.00
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)$694.50
Prepaid interest, first (30 days)$440.74
Fees + prepaids$12,460.24
Your down payment is the seller’s equity. You take over the $104,733 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $392,727.68 is due at closing. Uses and sources reconcile at $497,460.24 each. Not a Closing Disclosure.